American Perspective Bank


4051 Broad Street, Suite 140
San Luis Obispo, CA 93401
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

American Perspective Bank is an FDIC insured institution located in San Luis Obispo, CA. It was founded in 2007 and has approximately $0.27 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58614
Date Established 2007
Assets $ 271.04 million
Loans $ 195.53 million
Deposits $ 220.16 million
Capital $ 43.07 million

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

Deposit Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for American Perspective Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.884% 2.750%
0.75 points
$4,375 fees
$1,021 Learn More
NMLS ID: 2890
License#: 13256
2.789% 2.750%
0.50 points
$1,262 fees
$1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to American Perspective Bank
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Financial Details

American Perspective Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Perspective 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 Perspective Bank U.S. Bank Average
5.17% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2021, American Perspective Bank had $411,000 in non-current loans and $2,013,000 in owned real estate. To cover these potential losses it had $43,074,000 in equity and $3,836,000 in loans loss reserves. That gives it a Texas Ratio of 5.17%.

Return on Equity
American Perspective Bank U.S. Bank Average
-2.23% 11.29%

American Perspective Bank has a Return on Equity of -2.23% versus the BestCashCow average of 11.29%. 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 Perspective Bank U.S. Bank Average
15.89% 11.72%

American Perspective Bank has a Capitalization of 15.89% versus the BestCashCow average of 11.72. 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 Perspective Bank Balance Sheet Analysis

As of June 30, 2012, American Perspective Bank had assets of $271,037,000, loans of $195,528,000, and deposits of $220,159,000. 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, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 195.53 million
Loan loss allowance $ 3.84 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.01 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 220.16 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 271.04 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in American Perspective Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, American Perspective Bank’s loan portfolio does not show any specific loan specialty.

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 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About American Perspective Bank

Branches and Savings

Is American Perspective Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58614.

Why does American Perspective 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 Perspective Bank CD rates not competitive?

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

Is American Perspective Bank a commercial bank?


Where are American Perspective Bank locations?

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Is American Perspective Bank open on Saturdays?

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Are American Perspective Bank ATMs Open 24/7?

Do American Perspective Bank ATMs accept cash deposits?

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Will American Perspective Bank notarize my document?

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

Will the American Perspective Bank branch print checks?

Do American Perspective Bank checks expire?

Does American Perspective Bank require US citizenship to open account?

Can American Perspective Bank close my account?

Does American Perspective Bank Report to credit bureaus?

Does American Perspective Bank Use Equifax?

What is American Perspective Bank's ACH Routing Number?

What is American Perspective Bank's SWIFT code?


Does American Perspective Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does American Perspective Bank offer personal loans?

Compare personal loan rates here.

Does American Perspective Bank offer student loans?

Will American Perspective Bank cash a check?

Will American Perspective Bank redeem a savings bond?

Does American Perspective Bank cash savings bonds?

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Can American Perspective Bank issue a money order?

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Background on The Bank

Who owns American Perspective Bank?

How long has American Perspective Bank been around?

Can American Perspective Bank transfer to other banks?

Does American Perspective Bank have quick pay?

Does American Perspective Bank accept rolled coins?

Will American Perspective Bank accept loose change?

Where is American Perspective Bank headquarters?

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