American Business Bank (AMBZ)

American Business Bank Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	160.85	139.7	126.54	99	86.8
Interest Income on Investments	35.58	35.53	32.59	28.75	22.08
Total Interest Income	196.43	175.23	159.13	127.75	108.88
Interest Paid on Deposits	43.25	47.1	27.65	2.43	1.82
Interest Paid on Borrowings	0	4.16	9.56	0.27	0
Total Interest Expense	43.25	51.26	37.21	2.69	1.82
Net Interest Income	153.18	123.97	121.92	125.06	107.06
Net Interest Income Growth (YoY)	23.56%	1.68%	-2.51%	16.81%	18.41%
Gain (Loss) on Sale of Investments	-7.29	-1.39	-1.07	-0.08	-0.03
Other Non-Interest Income	4.97	4.75	5.03	2.76	3.24
Total Non-Interest Income	2.93	8.02	8.84	6.72	6.53
Non-Interest Income Growth (YoY)	-63.55%	-9.28%	31.54%	3.04%	18.54%
Revenues Before Loan Losses	156.11	131.99	130.76	131.78	113.59
Provision for Loan Losses	2.77	0.98	3.4	4.51	1.95
Revenue	153.34	131.01	127.36	127.27	111.63
Revenue Growth (YoY)	17.04%	2.86%	0.07%	14.01%	19.58%
Salaries and Employee Benefits	53.62	46	43.12	38.9	37.37
Occupancy Expenses	5.47	2.67	2.88	2.86	2.89
Selling, General & Administrative	12.55	16.07	14.93	13.74	11.97
Other Non-Interest Expense	6.61	6.09	5.72	5.24	6.58
Total Non-Interest Expense	78.25	70.83	66.65	60.75	58.82
EBT Excluding Unusual Items	75.09	60.18	60.71	66.52	52.82
Pretax Income	75.09	60.18	60.71	66.52	52.82
Income Tax Expense	20.89	16.9	16.75	17.96	13.65
Net Income	54.2	43.28	43.97	48.56	39.16
Net Income to Common	54.2	43.28	43.97	48.56	39.16
Net Income Growth	25.25%	-1.57%	-9.46%	23.99%	36.11%
Basic Shares Outstanding	9	9	9	9	9
Diluted Shares Outstanding	9	9	9	9	9
Shares Change (YoY)	-0.70%	0.88%	0.47%	1.61%	1.30%
EPS (Basic)	5.91	4.67	4.78	5.34	4.39
EPS (Diluted)	5.86	4.64	4.76	5.28	4.33
EPS Growth	26.29%	-2.52%	-9.85%	21.94%	34.47%
Dividend Per Share	1.000	-	-	-	-
Effective Tax Rate	27.82%	28.09%	27.58%	27.00%	25.85%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.