# AMERICAN BUSINESS BANK
LOS ANGELES, CA · FDIC certificate 34788 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.42B | |
| Deposits | $3.94B | |
| Loans and leases | $3.12B | |
| Total equity | $436.7M | |
| Loans / deposits | 78.46% (p29 of band) | 87.10% |
| Liquid assets / assets | 26.87% (p69 of band) | |
| Uninsured deposits / deposits | 75.74% (p98 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.01% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -35.47% (p6 of band) | -7.75% |
| AOCI / equity | 0.45% (p92 of band) | |
| ROA (annualized) | 1.46% (p67 of band) | 1.26% |
| Net interest margin | 4.00% (p68 of band) | 3.70% |
| Efficiency ratio | 46.95% (p17 of band) | |
| Noncurrent loans | 0.44% (p44 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 255.27% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 22.71% (p20 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $12.6M (3% of equity) (p80 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 250 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 1 | leverage <7% |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | uninsured deposits >50% |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | leverage <7%, capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | leverage <7% |
| 2021-06 | 2 | leverage <7% |  |
| 2021-09 | 1 |  | leverage <7% |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | securities losses >30% of equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [American Business Bank Names David Mitsuuchi San Fernando Valley Regional EVP - citybiz](https://news.google.com/rss/articles/CBMitwFBVV95cUxOeWNLWF9xdGZLUTlOWHZ1XzRtVmQ4VXNYTDlQR3d5bjJXeklQNTFmeXBuY2hZRE8taEJhaHlWMzhSZjM2Z3N6ME9mZDQxSk43WkdpNVlVMVBGZ3ktLTBwRFFmMGJLV3JIaXR6QXkyUDlnd3NUdjdDaFgtVHZIR29KbHhTVkI4MWNmcWVQQ2VlNXBuYlN3cXdzS0RFdG54Xzdnam5tNk9DTEJ1XzlQUGdtVFdVTVBsRnc?oc=5) · citybiz
- 2026-06-02 [American Business Bank Ranked 6th in Top 50 Community Banks With Assets Between $3 Billion and $10 Billion for 2025 - Business Wire](https://news.google.com/rss/articles/CBMihwJBVV95cUxOTjVHQ0w1N1lOdGs1UGxwX0tSeThINGhXWUtZcWhydWp2QmNaOTUtVGdhNGx6NlpxcG50MkdtRjJsTF9XTGtzQzlQMUZhR3ZkU2NCOVRIemYteFVYSXppUlM0a0cyVk1CbDlQUUhHM1lhcFBwY3J4amx3ckpEZVdBMnNHemlldFBOWUloU2pFMlp0d0hPLUV2cGMxWHJ2WXFHX3E2Qk1RMXVVTnJ0LXJYMUlWS2Y5M1R3TlRNd1E4Wm9zcGpuTTN5NFFZS1p5YzRUUW1RSmN3OEotOEdKN3NCcHh2MXhyUDBZVTlOSHJHRE82dW5aNVJkaWZxMU8tMFZuUXVTc0VaZw?oc=5) · Business Wire
- 2025-12-19 [American Business Bank Promotes Dole, Basirico to Executive Officers - Business Wire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQRWJTWkE5WlNZNXdtWFhveGJwUGZMWEVLYy05TktIQUk4b0E0UGQ4Um1zSnRGdVp5OE04YkVXOEg0R1lQY2pfY19tTFVPQko3d0tsanQ5dUJzZUx0ZHpncUpKMW1ETEtkekZ2Sk9ZRENqRTVMRU5xMFVkbFA3V05RMGUtakZmb0xRcWdNLTBrNThsU25pOXE1alZzMWozb1Uydjl1ZDZIMDVsemd4N0dUTXU1Y3dkRDhRVlNFRFlZLUdtZw?oc=5) · Business Wire
- 2024-06-20 [American Business Bank promotes Jeffrey Munson to Chief Credit Officer - World Business Outlook](https://news.google.com/rss/articles/CBMipwFBVV95cUxPU3cwWHg3WWFGZDUyMW1uSjFISGZYN1h1TzdINjNfQ2JhY1ZRa18wOUFodlhrTXg0UTl1b0pwaDVaMEdrRFJTTkI3a3N1VkRZTF9SS2xleDk4ZXdSaDNMWi1HSFdfWWtteEJ6eWV0N2N4R2s3T1JobFI5SXpRQWVZODJ3YkFUUVNzQ041QjhRdTNoX2NlbTFGSExxSGxPSWtuZ05Ga3JGOA?oc=5) · World Business Outlook
- 2026-04-03 [American Business Bank Announces Retirement of Jon Schlobohm From Board of Directors - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNNkt4ak5laTMycU83d2tBWVpwa185U2pyWEl4b1Q0ZlJKTWtNcXlTUEZ4dTE2dEJpeTkxSkI2aFlCeHl3ZWZiUzBwNDRwOXZUbVU3MjhoaERaMW85QjF5c3RzNFFBcWhhVWhLNzI1NGxCam9xaWRwME9WSDM2aHhHVjdMMk1aRGtmWDROYzJjUDRhWENEZVcyWW5FS2YxWkd3cFdPUVBfWW9tcDg1cTZfTDBNVVoyZ1p6NXlwV3pKYUo3LXVYOWtYM1UzbEVyT2NpWGJfV3RWbGI?oc=5) · Business Wire
- 2024-12-09 [On the Move: ABB Appoints Leon and Craft to New Roles in North OC Office - Orange County Business Journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNb21meVJ2bzQ5RTJCZzNRSUhNLTNncEFVV2Q5R0JoRWx2MndCTWZQS2Q1ZVZmVUxfd2RuVnktS3E1dTc0RmNuaGlnZ0ZQNDRRRkFSNy16bUM2d2YtT2F5MHBUMHhOdVNuUktqSkdXWkw3VjZYOHlKNVNGcjU3aUZBazh4dFg2YjM2LThEckdNUkNRM1FJck45QWxsMzFFbWFJSVJmNUpXUDNzdw?oc=5) · Orange County Business Journal
- 2025-09-02 [American Business Bank Opens New Loan Production Office in Downtown Riverside, California - Business Wire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNNnpkd3R3U3E5Y0ZJa01QVGxiems1VlBaalRPcjJuUWtxSGpTR3RsVVR6dS0tX2dpYUFmbzBjb29oaGVOMmVuR3lTOXA2SkZIZVpaU05nODVlQXZ2X2kzcGV4Ym1hTjRHVGVoMmlDR3pFX29jak1FVURvdjU4X0pkZW5sNXNSaEJ5N0RiMVJqOGtPM3pXSVJNblcwcF96WVg0RXIxN3kyRktOa0owNl94YUJ5SGdkNU1SdEQzLTBJVlBheVNkYTFTMWJYampuLUR6Qy1penlsaFBVWldEZFE?oc=5) · Business Wire
- 2023-05-19 [American Business Bank Promotes Philip Feghali to President - Business Wire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNTzA3Um9TT2lQMFN1T29QZndsZldBZU4yZXNfVDJ6SVNvZVVJTWk3b3lpV2MyalluS2hheWo3WmpfMFBwMnlmaG93R3BDVHIyUWh5ckRxS0tMNTFubVF4R1JfLXRYOUhXbFdXQ1ppdE13amVGajRDOXZ0MjY5eU11Y2VJNlkydkZmQlU2RHRxQ2RmQVdMZXRxTUc3Sm5nYm0xOGlmbmxjZDFwZTNIdUpLM0lLT3J4eXc?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34788 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "34788", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide