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American Continental Bank

$100M-$1B Specialty: Commercial CA FDIC cert 57444

Designations: ✓ Minority Depository Institution

City Of Industry, CA

7 branches across CA · WA · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits +7.2% year over year ($316.7M on the books).
  • Delinquency rate 0.37%.
  • Return on assets 1.49%.
  • Efficiency ratio 56.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

American Continental Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.17% above tier average
  • + Net Interest Margin 0.47% above tier average
  • + Efficiency Ratio 7.71% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 42.6% in tier
  • - Non-Interest-Bearing Deposit Share 12.36% below tier average
Get updates when American Continental Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $385.3M
+7.3% YoY +1.6% QoQ
-$1.3M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $282.5M
+1.1% YoY -2.1% QoQ
+$24.2M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $316.7M
+7.2% YoY +1.8% QoQ
-$10.0M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.49%
+39.6% YoY -3.9% QoQ
+0.17% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.46%
+13.1% YoY -5.9% QoQ
+0.47% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 56.77%
-9.3% YoY +5.0% QoQ
-7.71% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.37%
-90.5% YoY +66.3% QoQ
-0.54% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
53%
Loan-to-Deposit Ratio ? 89.19%
-5.7% YoY -3.8% QoQ
+11.24% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 9.67%
+36.2% YoY +30.9% QoQ
-12.36% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 10.0% in tier
Nonperforming Asset Ratio ? 0.27%
-91.1% YoY +60.2% QoQ
-0.39% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 16.23%
+3.6% YoY +1.0% QoQ
+0.32% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
73%
Non-Interest Income / Assets ? 0.31%
+55.3% YoY +81.7% QoQ
-0.25% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 9.7%
+2.6pp YoY
+2.3pp QoQ
 -12.5pp 22.1% 25.5% 22.2% 9%
Brokered Deposits 0.9%
0.0pp QoQ
 -6.9pp 7.9% 11.0% 8.5% 18%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 4.5%
+0.6pp YoY
-0.1pp QoQ
 -7.0pp 11.6% 11.8% 12.5% 17%
CRE 57.6%
+3.5pp YoY
-0.3pp QoQ
 +18.1pp 39.5% 67.5% 41.4% 82%
1-4 Family 40.4%
-3.8pp YoY
+0.4pp QoQ
 +7.8pp 32.6% 16.5% 31.3% 71%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 16.2%
+0.6pp YoY
+0.2pp QoQ
 +4.1pp 12.2% 14.5% 12.6% 91%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 49
+3 (+6.5%) YoY
-1 (-2.0%) QoQ
 -10 58 337 482 52%
Assets per Employee ($) $7.9M
+0.7% YoY
+3.7% QoQ
 +$344K $7.5M $11.3M $8.8M 66%
Branch Count 7
0 YoY
0 QoQ
 +2 4 15 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.4%
-3.6pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.4% 1.0% 45%
Allowance Coverage 4.46x
+1098.8% YoY
-38.1% QoQ
 -19.69x 24.15x 17.11x 20.23x 68%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 9.3%
+2.5pp YoY
-0.4pp QoQ
 -2.9pp 12.2% 8.2% 11.6% 32%
Cost of Funds (YTD) 2.8%
-0.4pp YoY
0.0pp QoQ
 +1.1pp 1.7% 1.9% 1.7% 95%
Net Income ($, YTD) $2.8M
+47.9% YoY
— QoQ
 +$290K $2.6M $28.5M $40.4M 68%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#317 of 742 • Bottom 42.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.23%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

580
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.99%
#580 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (1 metrics)

2381
Non-Interest-Bearing Deposit Share
funding
Value: 9.67%
Peer Median: 22.03%
#2381 of 2643 Bottom 10.0% in $100M-$1B
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