American Perspective Bank

4051 Broad Street, Suite 140
San Luis Obispo, CA 93401


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58614
Date Established 2007
Assets $0.27 billion
Loans $0.20 billion
Deposits $0.22 billion
Capital $0.04 billion

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.

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.

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

Deposit Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

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

Advertiser Disclosure

Loan Rates - July 22, 2018

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to American Perspective Bank
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American Perspective Bank Locations

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% 7.92%

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 March 31, 2018, 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% 9.35%

American Perspective Bank has a Return on Equity of -2.23% versus the BestCashCow average of 9.35%. 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% 12.01%

American Perspective Bank has a Capitalization of 15.89% versus the BestCashCow average of 12.01. 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

Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.20 billion
Loan loss allowance $0.00 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 $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.22 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.27 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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?

Can American Perspective Bank customers use other ATMs?

Do American Perspective Bank branches have notaries?

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?

Will American Perspective Bank cash money orders?

Can American Perspective Bank issue a money order?

Does American Perspective Bank do currency exchange?

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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