BlastPoint's Banking Scorecard
American Continental Bank
Designations: ✓ Minority Depository Institution
City Of Industry, CA
7 branches across CA · WA · TX
American Continental Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.81% above tier average
- + Efficiency Ratio 11.24% below tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 36.5% in tier
- - Liquidity Strain: Bottom 47.1% in tier
- - Non-Interest-Bearing Deposit Share 14.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$379.1M
+4.5% YoY
+0.2% QoQ
|
-$7.0M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$288.7M
+9.8% YoY
-0.6% QoQ
|
+$33.0M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$311.3M
+6.4% YoY
-0.3% QoQ
|
-$16.7M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.55%
+28.3% YoY
+23.3% QoQ
|
+0.28% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
4.74%
+17.8% YoY
+11.9% QoQ
|
+0.81% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 12.2% in tier |
| Efficiency Ratio ? |
54.05%
-11.7% YoY
-5.0% QoQ
|
-11.24% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? |
0.23%
-82.5% YoY
-92.1% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
92.75%
+3.2% YoY
-0.3% QoQ
|
+16.11% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
7.39%
+12.4% YoY
-2.7% QoQ
|
-14.63% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-81.6% YoY
-92.2% QoQ
|
-0.47% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
16.07%
+4.0% YoY
+3.4% QoQ
|
+0.24% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.17%
+43.1% YoY
-62.4% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.