American Business Bank

523 West 6th Street, Suite 900
Los Angeles, CA 90014

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34788
Date Established 1998
Assets $2.22 billion
Loans $1.31 billion
Deposits $2.00 billion
Capital $0.19 billion

American Business Bank is an FDIC insured institution located in Los Angeles, CA. It was founded in 1998 and has approximately $2.22 billion in assets.

For a more detailed analysis of American Business Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for American Business Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - October 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Business Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: MC-3098
3.630% 3.625% 0.00 $142 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to American Business Bank
To upload and update your bank's rates please register. It is free to register and add rates.


American Business Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

American Business Bank Locations

Financial Details

American Business Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Business Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Business Bank U.S. Bank Average
0.5% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, American Business Bank had $1,047,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $192,064,000 in equity and $18,548,000 in loans loss reserves. That gives it a Texas Ratio of 0.5%.

Return on Equity
American Business Bank U.S. Bank Average
12.06% 9.50%

American Business Bank has a Return on Equity of 12.06% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American Business Bank U.S. Bank Average
8.65% 12.76%

American Business Bank has a Capitalization of 8.65% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Business Bank Balance Sheet Analysis

As of June 30, 2019, American Business Bank had assets of $2,221,482,000, loans of $1,306,294,000, and deposits of $2,000,227,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.08 billion
Interest-bearing balances $0.01 billion
Total securities $0.75 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.31 billion
Loan loss allowance $0.02 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.08 billion
     Total Assets $2.03 billion
Total deposits $2.00 billion
      Interest-bearing deposits $1.01 billion
      Deposits held in domestic offices $2.00 billion
      % insured (estimated) 24.38%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.03 billion
      Total Liabilities $2.03 billion
      Shareholders’ Equity $0.19 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.04 billion
Total Interest Expense $0.00 billion
Net interest income $0.04 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in American Business Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, American Business Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 3.83
Credit Card Loans 0.01
Consumer Auto Loans 0.00
Small Business Loans 6.96
Construction and Development Loans 1.30
Commercial Real Estate 65.99
Commercial and Industrial Loans 26.64
Farm Loans 0.00

Frequently Asked Questions About American Business Bank

Branches and Savings

Is American Business Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34788.

Why does American Business Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Business Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Business Bank a commercial bank?


Where are American Business Bank locations?

See branch locations nearby.

Is American Business Bank open on Saturdays?

Is American Business Bank open on Sundays?

What time does American Business Bank open?

What time does American Business Bank close?

Are American Business Bank ATMs Open 24/7?

Do American Business Bank ATMs accept cash deposits?

Can American Business Bank customers use other ATMs?

Do American Business Bank branches have notaries?

Will American Business Bank notarize my document?

What address for American Business Bank should I put for incoming ACH transfers?

Will the American Business Bank branch print checks?

Do American Business Bank checks expire?

Does American Business Bank require US citizenship to open account?

Can American Business Bank close my account?

Does American Business Bank Report to credit bureaus?

Does American Business Bank Use Equifax?

What is American Business Bank's ACH Routing Number?

What is American Business Bank's SWIFT code?


Does American Business Bank offer mortgages?

Compare mortgage rates here.

Does American Business Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Business Bank offer personal loans?

Compare personal loan rates here.

Does American Business Bank offer student loans?

Will American Business Bank cash a check?

Will American Business Bank redeem a savings bond?

Does American Business Bank cash savings bonds?

Will American Business Bank cash money orders?

Can American Business Bank issue a money order?

Does American Business Bank do currency exchange?

Background on The Bank

Who owns American Business Bank?

How long has American Business Bank been around?

Can American Business Bank transfer to other banks?

Does American Business Bank have quick pay?

Does American Business Bank accept rolled coins?

Will American Business Bank accept loose change?

Where is American Business Bank headquarters?

Customer Reviews for American Business Bank

There are currently no comments for American Business Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →