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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

American Plus Bank N A

Arcadia, California · $935M in assets · beside the 11 other California banks between $300M and $1B

The filing

32.2%
Efficiency
1st of 11
42.3x
Coverage of noncurrent
1st of 9
107.5%
Loans / deposits
11th of 12

American Plus Bank N A is the fifth largest of the 12 California banks nearest its size between $300M and $1B, with $935M in assets at 30 June 2026. Loans are 107.5% of deposits, 11th of 12 against a median of 90.7%, and equity is 16.0% of assets, 2nd of 12. Loans grew +4.7% in the year, 8th of 12, and deposits grew 4.2%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.04% of the book, 4th of 12 against a median of 0.32%; 1.50% is 30 to 89 days past due, and the allowance covers them 42.3 times. Commercial real estate is 83.2% of loans, 11th of 12 against a median of 50.9%, and 455% of capital, above the 300% screen, with construction at 122% against the 100% screen. CRE has grown +51.0% over 36 months, past the guidance's 50% prong.

Return on assets is 1.81%, 2nd of 12 against a median of 0.86%, on an efficiency ratio of 32.2%, the lowest in the cohort. Five years ago it was 1.84%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 5.2% of loans).

The efficiency ratioCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 64.0% AP American Plus Bank N A 32.2% HB HCN Bank 44.9% CN C3bank National Association 54.2% FC First Commercial Bank USA 55.4% EB Endeavor Bank 60.4% SS Summit State Bank 64.0% Bo Bank of San Francisco 64.1% RV River Valley Community Bank 69.4% MV Mission Valley Bank 71.9% BC Bac Community Bank 75.3% PB Pinnacle Bank 76.4%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% HB HCN Bank +8.9% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% SS Summit State Bank -12.6% NB Nano Banc -21.9%

SBA 7(a), FY2008 to FY2026

American Plus Bank N A is the 106th largest 7(a) lender into California of 512, with $72M across 71 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 7 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$31M78th of 3080.2%-0.2 pts
Orange, CA$26M53rd of 2560.3%quiet FY2022
San Bernardino, CA$6M86th of 2130.2%-0.4 pts
San Diego, CA$3M128th of 2380.1%quiet FY2017
Kern, CA$2M63rd of 1290.2%quiet FY2021
Riverside, CA$2M134th of 2190.1%quiet FY2018
Butte, CA$935K47th of 760.5%quiet FY2021
Santa Barbara, CA$440K91st of 1180.1%quiet FY2018
Siskiyou, CA$340K28th of 370.5%quiet FY2020
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services17$32M44.1%0.04%297th of 2,596
Retail trade11$9M12.8%0.02%514th of 2,589
Wholesale trade18$8M10.6%0.03%344th of 1,651
Professional & technical services3$7M10.3%0.02%348th of 1,955
Real estate & leasing5$5M6.9%0.04%328th of 1,452
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and American Plus
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans AP American Plus Bank National Assoc… 0.1% $72M · 71 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, American Plus among them; owner-occupied excluded; bold marks a screen met
American PlusRankCohort median
Total CRE against capital, the 300% screen455%10th of 12275%
Construction against capital, the 100% screen122%12th of 1216%
Construction and land development, share of loans22.2%12th of 123.0%
Non-owner-occupied nonfarm nonresidential, share of loans55.3%11th of 1238.1%
Total CRE, the guidance definition, share of loans83.2%11th of 1250.9%
CRE growth over 36 months, the third prong+51.0%11th of 12+10.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
HCN Bank$998M2.2%44.9%0.00%0.00%1.3%93.0%11.4%
Summit State Bank$960M0.1%64.0%2.43%2.28%1.7%89.7%10.6%
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American PlusCohort median
20212026Change20212026Change
Loans$504M$804M+59%$490M$648M+32%
Deposits$486M$748M+54%$593M$733M+24%
NPA / loans0.00%0.04%+0.04 pts0.04%0.32%+0.28 pts
Efficiency32.5%32.2%-0.3 pts53.4%64.0%+10.6 pts
ROA1.84%1.81%-0.04 pts1.17%0.86%-0.31 pts

This read was prepared for American Plus Bank N A's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on American Plus Bank N A is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $300M to $1B
Institution www.bankaplus.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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