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Continental Bank

$100M-$1B Specialty: Commercial UT FDIC cert 57571

Salt Lake City, UT

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 13 in UT.
  • Deposits -2.4% year over year ($141.0M on the books).
  • Delinquency rate 1.00%.
  • Return on assets 2.63%.
  • Efficiency ratio 66.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.04% 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 13 in UT
View $100M-$1B leaderboard (UT) →

Continental Bank has 3 strengths but faces 5 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

  • + Profitability Leader: Top 3.5% in tier
  • + Revenue Diversifier: Top 4.1% in tier
  • + Deposit Franchise: Top 66.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.0% in tier
  • - Liquidity Overhang: Bottom 17.1% in tier
  • - Deposit Outflow: Bottom 24.9% in tier
  • - Efficiency Ratio 2.07% above tier average
  • - Delinquency Rate 0.08% above tier average
Get updates when Continental Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $181.8M
-4.9% YoY +0.6% QoQ
-$204.7M $386.6M
+1.2% YoY
$31.1B
+21.2% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $143.8M
-8.0% YoY +0.9% QoQ
-$114.5M $258.3M
+1.7% YoY
$18.5B
+10.6% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $141.0M
-2.4% YoY -2.5% QoQ
-$185.8M $326.7M
+0.7% YoY
$23.9B
+15.2% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 2.63%
+42.3% QoQ
+1.30% 1.32%
+10.8% YoY
2.15%
+9.7% YoY
1.30%
+12.1% YoY
Top 3.6% in tier
Net Interest Margin ? 5.00%
-8.8% YoY +1.2% QoQ
+1.01% 3.99%
+5.0% YoY
7.81%
+8.6% YoY
3.95%
+4.9% YoY
Top 8.1% in tier
Efficiency Ratio ? 66.55%
-28.1% YoY -8.3% QoQ
+2.07% 64.48%
-3.2% YoY
105.46%
+37.7% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 1.00%
-29.8% YoY -29.3% QoQ
+0.08% 0.92%
+15.7% YoY
1.38%
+2.5% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 102.04%
-5.7% YoY +3.5% QoQ
+24.08% 77.95%
+1.0% YoY
83.52%
+2.9% YoY
79.03%
+2.3% YoY
Bottom 7.8% in tier
Non-Interest-Bearing Deposit Share ? 29.97%
-4.9% YoY +9.1% QoQ
+7.94% 22.03%
-0.6% YoY
17.78%
-2.6% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.79%
-32.1% YoY -29.1% QoQ
+0.12% 0.67%
+16.4% YoY
0.92%
+4.0% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 19.47%
+21.3% YoY +3.4% QoQ
+3.56% 15.91%
+1.4% YoY
21.39%
+2.0% YoY
17.09%
+0.8% YoY
Top 14.9% in tier
Non-Interest Income / Assets ? 1.74%
+390.7% YoY +137.0% QoQ
+1.17% 0.57%
+7.6% YoY
2.21%
+5.7% YoY
0.66%
+5.2% YoY
Top 2.0% in tier

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 (UT) National Avg Tier Percentile
Noninterest-Bearing 30.0%
-1.5pp YoY
+2.5pp QoQ
 +7.8pp 22.1% 20.1% 22.2% 82%
Brokered Deposits 23.4%
-11.3pp YoY
+1.1pp QoQ
 +15.5pp 7.9% 28.6% 8.5% 94%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
C&I 84.7%
+3.3pp YoY
+0.4pp QoQ
 +73.1pp 11.6% 25.0% 12.5% 100%
CRE 12.9%
-4.4pp YoY
-1.4pp QoQ
 -26.7pp 39.5% 44.1% 41.4% 8%
1-4 Family 3.6%
+0.9pp YoY
+0.7pp QoQ
 -29.0pp 32.6% 13.8% 31.3% 4%
Consumer n/a n/a 4.1% 45.8% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
CET1 Ratio 19.5%
+3.4pp YoY
+0.6pp QoQ
 +0.6pp 18.8% 25.0% 19.7% 76%
Leverage Ratio 16.2%
+2.2pp YoY
+0.6pp QoQ
 +4.0pp 12.2% 15.7% 12.6% 91%
Total Capital Ratio 20.7%
+3.4pp YoY
+0.6pp QoQ
 +0.8pp 19.9% 26.3% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Full-Time Employees 37
+3 (+8.8%) YoY
+1 (+2.8%) QoQ
 -22 58 1,029 482 37%
Assets per Employee ($) $4.9M
-12.6% YoY
-2.1% QoQ
 -$2.6M $7.5M $39.6M $8.8M 14%
Branch Count 1
0 YoY
0 QoQ
 -4 4 13 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.6% 0.4% n/a
Nonaccrual 1.0%
-0.4pp YoY
-0.3pp QoQ
 +0.1pp 0.9% 1.2% 1.0% 71%
Allowance Coverage 1.65x
+7.2% YoY
+18.2% QoQ
 -22.51x 24.15x 7.86x 20.23x 42%
Net Charge-off Rate (YTD) 0.6%
+0.3pp YoY
+0.6pp QoQ
 +0.5pp 0.1% 3.6% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
ROE 16.9%
+16.8pp YoY
+4.8pp QoQ
 +4.7pp 12.2% 15.9% 11.6% 77%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
+0.1pp QoQ
 +0.3pp 1.7% 2.3% 1.7% 71%
Net Income ($, YTD) $2.4M
+14070.6% YoY
— QoQ
 -$146K $2.6M $307.8M $40.4M 60%

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 (3)

Profitability Leader

growth
#24 of 661 • Top 3.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#28 of 661 • Top 4.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.74%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.63%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#186 of 278 • Top 66.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.97%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.00%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (3)

Liquidity Strain

risk
#63 of 691 • Bottom 9.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 102.04%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#128 of 742 • Bottom 17.1% 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: 19.47%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 102.04%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#134 of 535 • Bottom 24.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

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 (5 metrics)

53
Non-Interest Income / Assets
revenue_mix
Value: 1.74%
Peer Median: 0.57%
#53 of 2643 Top 2.0% in $100M-$1B
95
Return on Assets
profitability
Value: 2.63%
Peer Median: 1.32%
#95 of 2643 Top 3.6% in $100M-$1B
215
Net Interest Margin
profitability
Value: 5.00%
Peer Median: 3.99%
#215 of 2643 Top 8.1% in $100M-$1B
396
Tier 1 Capital Ratio
capital
Value: 19.47%
Peer Median: 15.91%
#396 of 2643 Top 14.9% in $100M-$1B
477
Non-Interest-Bearing Deposit Share
funding
Value: 29.97%
Peer Median: 22.03%
#477 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (3 metrics)

2437
Loan-to-Deposit Ratio
liquidity
Value: 102.04%
Peer Median: 77.95%
#2437 of 2643 Bottom 7.8% in $100M-$1B
2154
Total Deposits
size
Value: $140.96M
Peer Median: $326.73M
#2154 of 2643 Bottom 18.5% in $100M-$1B
2070
Total Assets
size
Value: $181.84M
Peer Median: $386.57M
#2070 of 2643 Bottom 21.7% in $100M-$1B
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