American Business Bank (AMBZ)

American Business Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	174.94	160.85	139.7	126.54	99	86.8
Interest Income on Investments	34.5	35.58	35.53	32.59	28.75	22.08
Total Interest Income	209.44	196.43	175.23	159.13	127.75	108.88
Interest Paid on Deposits	38.96	43.25	47.1	27.65	2.43	1.82
Interest Paid on Borrowings	0	0	4.16	9.56	0.27	0
Total Interest Expense	38.96	43.25	51.26	37.21	2.69	1.82
Net Interest Income	170.47	153.18	123.97	121.92	125.06	107.06
Net Interest Income Growth	17.14%	23.56%	1.68%	-2.51%	16.81%	18.41%
Gain (Loss) on Sale of Investments	-9.28	-7.29	-1.39	-1.07	-0.08	-0.03
Other Non-Interest Income	6.23	4.97	4.75	5.03	2.76	3.24
Total Non-Interest Income	2.7	2.93	8.02	8.84	6.72	6.53
Non-Interest Income Growth	-51.32%	-63.55%	-9.28%	31.54%	3.04%	18.54%
Revenues Before Loan Losses	173.17	156.11	131.99	130.76	131.78	113.59
Provision for Loan Losses	3.17	2.77	0.98	3.4	4.51	1.95
Revenue	170	153.34	131.01	127.36	127.27	111.63
Revenue Growth	14.16%	17.04%	2.86%	0.07%	14.01%	19.58%
Salaries and Employee Benefits	52.75	50.71	46	43.12	38.9	37.37
Occupancy Expenses	3	2.76	2.67	2.88	2.86	2.89
Selling, General & Administrative	19.59	18.18	16.07	14.93	13.74	11.97
Other Non-Interest Expense	6.87	6.61	6.09	5.72	5.24	6.58
Total Non-Interest Expense	82.21	78.25	70.83	66.65	60.75	58.82
EBT Excluding Unusual Items	87.79	75.09	60.18	60.71	66.52	52.82
Pretax Income	87.79	75.09	60.18	60.71	66.52	52.82
Income Tax Expense	23.61	20.89	16.9	16.75	17.96	13.65
Net Income	64.18	54.2	43.28	43.97	48.56	39.16
Net Income to Common	64.18	54.2	43.28	43.97	48.56	39.16
Net Income Growth	23.73%	25.25%	-1.57%	-9.46%	23.99%	36.11%
Basic Shares Outstanding	9	9	9	9	9	9
Diluted Shares Outstanding	9	9	9	9	9	9
Shares Change	-1.37%	-0.70%	0.88%	0.47%	1.61%	1.30%
EPS (Basic)	7.08	5.91	4.67	4.78	5.34	4.39
EPS (Diluted)	7.00	5.86	4.64	4.76	5.28	4.33
EPS Growth	25.50%	26.29%	-2.52%	-9.85%	21.94%	34.47%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	1.150	1.000	-	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	26.90%	27.82%	28.09%	27.58%	27.00%	25.85%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 5, 2026

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