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Continental Bank

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

Salt Lake City, UT

2664 banks in the $100M-$1B peer group nationally 12 in UT
View $100M-$1B leaderboard (UT) →

Continental Bank has 3 strengths but faces 4 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

  • + Revenue Diversifier: Top 7.7% in tier
  • + Profitability Leader: Top 13.5% in tier
  • + Net Interest Margin 1.01% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 5.0% in tier
  • - Liquidity Overhang: Bottom 18.0% in tier
  • - Efficiency Ratio 7.26% above tier average
  • - Delinquency Rate 0.53% above tier average
Get updates when Continental Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $180.7M
-3.9% YoY -3.8% QoQ
-$205.4M $386.1M
+0.5% YoY
$31.5B
+16.1% YoY
$6.2B
+9.1% YoY
22%
Total Loans ? $142.5M
-7.8% YoY +0.4% QoQ
-$113.2M $255.7M
+1.1% YoY
$18.8B
+6.7% YoY
$3.2B
+10.8% YoY
33%
Total Deposits ? $144.5M
+3.7% YoY +0.4% QoQ
-$183.4M $328.0M
+0.1% YoY
$24.2B
+10.6% YoY
$4.8B
+8.2% YoY
20%
Return on Assets ? 1.85%
+524.8% YoY
+0.58% 1.27%
+12.9% YoY
2.19%
+3.7% YoY
1.23%
+13.4% YoY
83%
Net Interest Margin ? 4.94%
-2.1% YoY -7.5% QoQ
+1.01% 3.93%
+6.0% YoY
7.79%
+9.7% YoY
3.89%
+5.7% YoY
Top 8.1% in tier
Efficiency Ratio ? 72.55%
-27.3% YoY -16.5% QoQ
+7.26% 65.29%
-4.5% YoY
105.45%
+9.4% YoY
66.95%
-4.1% YoY
27%
Delinquency Rate ? 1.42%
+79.9% YoY +30.6% QoQ
+0.53% 0.89%
+18.8% YoY
1.46%
+7.1% YoY
0.95%
+18.8% YoY
20%
Loan-to-Deposit Ratio ? 98.59%
-11.1% YoY -0.1% QoQ
+21.95% 76.64%
+0.8% YoY
84.36%
+3.4% YoY
76.70%
+0.9% YoY
Bottom 10.1% in tier
Non-Interest-Bearing Deposit Share ? 27.47%
+112.0% YoY -12.2% QoQ
+5.45% 22.02%
-1.0% YoY
17.87%
+4.4% YoY
22.01%
-1.2% YoY
75%
Nonperforming Asset Ratio ? 1.12%
+72.7% YoY +36.2% QoQ
+0.48% 0.64%
+19.7% YoY
1.01%
+17.9% YoY
0.67%
+19.3% YoY
17%
Tier 1 Capital Ratio ? 18.83%
+18.7% YoY +4.6% QoQ
+3.00% 15.83%
+1.5% YoY
22.97%
+16.9% YoY
17.06%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.73%
+330.1% YoY -35.9% QoQ
+0.45% 0.28%
+9.3% YoY
1.04%
+5.8% YoY
0.32%
+4.1% YoY
Top 2.2% in tier

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 (2)

Revenue Diversifier

growth
#52 of 666 • Top 7.7% 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: 0.73%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 1.85%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth
#91 of 666 • Top 13.5% in tier

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

Why this signature
Return on Assets: 1.85%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (2)

Liquidity Strain

risk
#33 of 643 • Bottom 5.0% 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: 98.59%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#134 of 739 • Bottom 18.0% 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: 18.83%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 98.59%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

60
Non-Interest Income / Assets
revenue_mix
Value: 0.73%
Peer Median: 0.28%
#60 of 2664 Top 2.2% in $100M-$1B
217
Net Interest Margin
profitability
Value: 4.94%
Peer Median: 3.93%
#217 of 2664 Top 8.1% in $100M-$1B
434
Tier 1 Capital Ratio
capital
Value: 18.83%
Peer Median: 15.83%
#434 of 2664 Top 16.3% in $100M-$1B
454
Return on Assets
profitability
Value: 1.85%
Peer Median: 1.27%
#454 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (5 metrics)

2396
Loan-to-Deposit Ratio
liquidity
Value: 98.59%
Peer Median: 76.64%
#2396 of 2664 Bottom 10.1% in $100M-$1B
2203
Nonperforming Asset Ratio
credit_quality
Value: 1.12%
Peer Median: 0.64%
#2203 of 2664 Bottom 17.3% in $100M-$1B
2142
Total Deposits
size
Value: $144.54M
Peer Median: $327.97M
#2142 of 2664 Bottom 19.6% in $100M-$1B
2131
Delinquency Rate
credit_quality
Value: 1.42%
Peer Median: 0.89%
#2131 of 2654 Bottom 19.7% in $100M-$1B
2086
Total Assets
size
Value: $180.67M
Peer Median: $386.08M
#2086 of 2664 Bottom 21.7% in $100M-$1B
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