American Business Bank is a state-chartered bank headquartered in Los Angeles, California, in business for about 28 years. At the end of Q2 2026 it reported $4.4B in total assets and $3.9B in deposits, with 10 offices.
Based on its Q2 2026 filing, American Business Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 60th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is funding & liquidity (32/100; 78% loans-to-deposits, 76% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 66 |
| Q2 2025 | 66 |
| Q3 2025 | 66 |
| Q4 2025 | 66 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.14% |
| Q3 2024 | 10.17% |
| Q4 2024 | 10.21% |
| Q1 2025 | 10.44% |
| Q2 2025 | 10.45% |
| Q3 2025 | 10.22% |
| Q4 2025 | 10.29% |
| Q1 2026 | 10.76% |
| Q2 2026 | 11.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.44% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 1.04% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $4.4B | 11.01% | 0.44% | 1.46% | 78.5% |
| Q1 2026 | 68 | $4.4B | 10.76% | 0.44% | 1.45% | 78.4% |
| Q4 2025 | 66 | $4.4B | 10.29% | 0.39% | 1.27% | 76.2% |
| Q3 2025 | 66 | $4.5B | 10.22% | 0.40% | 1.24% | 72.2% |
| Q2 2025 | 66 | $4.3B | 10.45% | 0.40% | 1.20% | 73.9% |
| Q1 2025 | 66 | $4.2B | 10.44% | 0.42% | 1.16% | 74.5% |
| Q4 2024 | 66 | $4.0B | 10.21% | 0.27% | 1.09% | 74.6% |
| Q3 2024 | 66 | $4.1B | 10.17% | 0.27% | 1.04% | 69.8% |
| Q2 2024 | 65 | $3.9B | 10.14% | 0.26% | 1.02% | 74.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Royal Business BankBank Los Angeles, CA | 68 out of 100, Moderate | $4.3B | 12.5% | 0.72% | vs |
| California Bank of Commerce, National AssociationBank San Diego, CA | 75 out of 100, Strong | $4.0B | 12.8% | 0.29% | vs |
| Commercial Bank of CaliforniaBank Irvine, CA | 64 out of 100, Moderate | $4.0B | 9.3% | 0.37% | vs |
| Bank of MarinBank Novato, CA | 67 out of 100, Moderate | $3.9B | 9.2% | 0.40% | vs |
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Community West BankBank Fresno, CA | 67 out of 100, Moderate | $5.0B | 11.0% | 0.56% | vs |
Deposit insurance
Is my money safe at American Business Bank?
Yes. American Business Bank is an FDIC-insured institution (FDIC certificate #34788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 75.7% of deposits ($3.0B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.24% (benchmark: 10%).
10 locations
Branches
American Business Bank lists 1 office in 1 city. Most locations:
- Los Angeles, CA (1)
Identity & history
Profile
- Legal name
- American Business Bank
- Former names
- U.S. Business Bank
- Type
- State-chartered bank
- FDIC certificate #
- 34788
- RSSD ID
- 2734729
- Primary regulator
- FDIC
- Established
- September 28, 1998
- Headquarters
- 400 S Hope St, Los Angeles, CA 90071
- Website
- www.americanbb.bank
- Employees
- 250
Quick answers
American Business Bank: common questions
Is American Business Bank FDIC insured?
Yes. American Business Bank is an FDIC-insured institution (FDIC certificate #34788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Business Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Business Bank ever failed?
There is no failure record for FDIC certificate #34788 in the FDIC failed bank list.
How many branches does American Business Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Los Angeles
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| California Adventist Federal Credit UnionCredit union Glendale, CA | 89 out of 100, Very strong | $44.7M | 20.1% | 0.04% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| Hana Bank USA, National AssociationBank Fort Lee, NJ | 88 out of 100, Very strong | $835.2M | 25.4% | 0.00% | vs |