American Continental Bank
Total assets
$385.3M
▲ +7.3% YoY
Deposits
$316.7M
▲ +7.2% YoY
Loans
$282.5M
▲ +1.1% YoY
Offices
7
AMERICAN CONTINENTAL BCORP
ROA (annualized)
1.49%
peers 1.24%
ROE (annualized)
9.31%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +1.1% | +5.6% | -4.5 pts |
| ROA | 1.49% | 1.24% | +0.3 pts |
| ROE | 9.3% | 11.9% | -2.6 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
Profile
- Established
- 2003
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- AMERICAN CONTINENTAL BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 17700 Castleton St, City Of Industry, CA, 91748
- County
- Los Angeles
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 7
- FDIC cert #
- 57444
- RSSD ID
- 3216316
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.3M | $316.7M | $282.5M | $62.5M | $2.8M | 1.49% | 4.46% | 0.27% |
| Q1 2026 | $379.1M | $311.3M | $288.7M | $61.2M | $1.5M | 1.55% | 4.74% | 0.17% |
| Q4 2025 | $378.2M | $312.2M | $290.5M | $59.7M | $4.6M | 1.26% | 4.24% | 2.20% |
| Q3 2025 | $373.5M | $308.6M | $303.7M | $58.6M | $3.0M | 1.10% | 4.04% | 3.10% |
| Q2 2025 | $359.2M | $295.4M | $279.4M | $57.5M | $1.9M | 1.07% | 3.94% | 3.07% |
| Q1 2025 | $362.7M | $292.6M | $263.0M | $56.7M | $1.1M | 1.21% | 4.02% | 0.93% |
| Q4 2024 | $357.1M | $288.2M | $268.1M | $55.6M | $4.5M | 1.29% | 4.01% | 1.00% |
| Q3 2024 | $358.1M | $290.5M | $271.8M | $54.5M | $3.0M | 1.14% | 3.90% | 1.42% |
Loan mix (Q2 2026): real estate $277.1M · commercial $12.8M · consumer $0 · securities $3.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 62.9% | 31th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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