American Business Bank: how it compares with its peers
Against 29 CA banks with half to twice its assets, American Business Bank's strongest measure in Q2 2026 is assets per employee ($17.7M vs. a $12.0M peer median). Its weakest relative measure is efficiency ratio (46.95% vs. 51.05%).
| Measure | American Business Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.28% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.00% | 3.69% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.95% | 51.05% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.7M | $12.0M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.46% | 87.64% | Context |
What it means for lending operations
Its efficiency ratio of 46.95% is better than the 51.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Royal Business Bank Los Angeles, CA · $4.27B
- California Bank of Commerce, National Association San Diego, CA · $4.02B
- Commercial Bank of California Irvine, CA · $3.98B
- Bank of Marin Novato, CA · $3.86B
- Bank of Stockton Stockton, CA · $4.99B
Questions about American Business Bank
How big is American Business Bank?
American Business Bank, established in 1998, is headquartered in Los Angeles, CA. It reported $4.42B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is American Business Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.28% median for 29 CA banks with half to twice its assets, ahead of 69% of them.
What is American Business Bank's efficiency ratio?
46.95% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 51.05%, and lower is better.
Is American Business Bank growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits grew 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.