American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.

American Plus Bank, N.A. Quarter Ending June 30, 2025 Operating Results

American Plus Bank operating results for the period ending June 30, 2025, as reported within the Bank’s Call Report are summarized as follows:

• American Plus Bank acquired the Long Beach branch of United Fidelity Bank, F.S.B., doing Business as International City Bank (“ICB”). The conversion was completed on May 2nd, 2025.
• The Bank posted net income of $2.96 million or $0.84 per share for Q2 2025 compared with net income of $3.16 million or $0.90 per share for Q1 2025 and $2.53 million or $0.71 per share for Q2 2024, respectively. The unfavorable variance to the previous quarter was primarily attributed to higher provision for credit losses on loans and off-balance sheet liabilities of $1.0 million and higher non-interest expenses of $0.2 million due to acquisition of ICB, partially offset by a higher net interest income of $1.0 million. The favorable variance to last year was mainly due to higher net interest income of $1.9 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million.
• Year to date net income is $6.11 million or $1.73 per share compared with $5.58 million or $1.56 per share as of June 30, 2024. The increase in earnings per share was due to higher net interest income of $3.1 million, partially offset by higher provision for credit losses of $0.9 million and higher non-interest expenses of $0.5 million primarily attributed to acquisition of ICB, and lower net interest income mainly due to gain on transferring a non-performing CRE loan to OREO of $1.1 million in the prior year.

• Total Assets increased by $177.9 million to $872.5 million, 25.6% growth from $694.6 million on June 30, 2024. For the quarter, assets increased $89.1 million.

• Loans outstanding excluding term fed funds sold (TFFS) increased by $162.0 million to $753.3 million, or 27.4% from $591.3 million as of June 30, 2024. For the quarter, loan balances excluding TFFS increased $77.6 million.

• Deposits increased by $162.3 million to $717.9 million, or 29.2% from $555.6 million as of one year ago. For the quarter, deposits increased $83.6 million.

• Provision for credit loss on loans and off-balance sheet liabilities for Q2 2025 was $1.07 million and $36,000 respectively compared to $100,000 and $0 respectively for Q1 2025. The ratio of the allowance for credit losses on loans to total loans stood at 1.42% as of June 30, 2025. The Bank reversed a $5,730 allowance for credit losses on HTM securities for this quarter, compared to a reversion of $8,300 for Q1 2025. The Bank will continue to reassess the allowance adequacy each quarter.

• The Bank continues to be categorized as “well-capitalized” under the regulatory guidelines for June 30, 2025, leverage capital ratio of 15.72%.

• The Bank’s year to date ROAA as of June 30, 2025, is 1.52% and ROAE is 9.22%.

American Plus Bank, N.A. is a full-service FDIC insured community bank, headquartered at 630 West Duarte Road, Arcadia, California 91007, with three branch locations including Arcadia, California. The other two branches are located at 17506 Colima Road, Suite 100, Rowland Heights, California 91748 and 171 South Hudson Avenue, Pasadena, California 91101.