American Plus Bank N A
Arcadia, California · FDIC Cert #58469
American Plus Bank N A is an FDIC-insured bank (Certificate #58469) with $695M in total assets and $556M in total deposits as of the Q2 2024 Call Report. Headquartered in Arcadia, California, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of D (40/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
American Plus Bank N A (FDIC cert 58469) is a community bank — $695M in total assets, $556M in deposits, serving the Arcadia, California area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 3.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.29% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. American Plus Bank N A carries a composite BankHealth grade of D (40/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: American Plus Bank N A
- Total Assets
- $695M
- Total Deposits
- $556M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 3.91%
- Return on Assets
- 2.29%
- Headquarters
- Arcadia, California
- FDIC Certificate
- #58469
- Health Grade
- D (40/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, American Plus Bank N A holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject American Plus Bank N A to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
American Plus Bank N A shows some financial weakness with a Health Score of 40/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How American Plus Bank N A Compares
American Plus Bank N A’s Health Score of 40 is 32 points below the California state average of 72 across 123 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.29% is in line with or above the national ROA benchmark of ~1.1%. Among 1267 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, American Plus Bank N A is 30 points below the portfolio average of 70.
Frequently Asked Questions
American Plus Bank N A has a Bank Health Score of D (40/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. American Plus Bank N A's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at American Plus Bank N A is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58469). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
American Plus Bank N A holds $695M in total assets and $556M in total deposits. It is headquartered in Arcadia, California (FDIC Certificate #58469).
American Plus Bank N A has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 2.29%.
Yes. American Plus Bank N A is FDIC-insured (Certificate #58469). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
American Plus Bank N A shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.