American Continental Bank
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Data as of · sourced from FFIEC call reports. How we update
American Continental Bank is an FDIC-insured commercial bank headquartered in City of Industry, CA, established in 2003 (FDIC certificate 57444), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $385.3M, up 7.3% from Q2 2025, the 87th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57444
- Headquarters
- City of Industry, CA
- Established
- 2003
- Total assets, Q2 2026
- $385.3M
- Assets vs Q2 2025
- +7.3%
- Tier 1 leverage ratio, Q2 2026
- 16.23%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 122243583
- Latest call report
- Q2 2026, FFIEC 051 · American Continental Bank call report
- Holding company
- AMERICAN CONTINENTAL BANCORP
- Asset rank in state
- 87th of 113 in California
American Continental Bank pays more for its money than most banks of its size. Based in City Of Industry, California, it had $385 million in assets at June 30, 2026, up 7.3% from a year earlier. It pays an average of 3.24% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 16.23% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.4 million, 65% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.37% of loans from 3.89%. One more trend to watch: delinquency has appeared in its $33 million multifamily book: 24.12% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, American Continental Bank reported a return on assets of 1.44%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.59%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, American Continental Bank is the 87th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $385.3M, loans fell 2.1% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.8% of total loans, followed by non-owner-occupied commercial real estate loans at 16.9%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its City Of Industry office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, American Continental Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 17700 Castleton St, City of Industry, CA 91748
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 6, 2003
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $316.7M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $380.6M
- Average total loans
- $291.6M
- Average interest-bearing deposits
- $289.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 6, 2003
- FDIC Cert
- 57444
- Fed RSSD
- 3216316
- SEC CIK
- 1613125 → filed by AMERICAN CONTINENTAL BANCORP
- Parent Holding Company
- AMERICAN CONTINENTAL BANCORP (RSSD 4842721)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, American Continental Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Continental Bank's total assets ran between $339.6M (Q1 2024) and $385.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$385.3M total assets against $359.2M; $322.7M total liabilities against $301.7M.
$282.5M net loans and leases against $279.4M; $316.7M total deposits against $295.4M.
$3.7M securities against $3.0M; $83.8M cash and balances due against $61.6M.
$6.4M total interest income against $6.0M; $2.6M total interest expense against $2.7M.
$3.8M net interest income against $3.3M.
$552K total noninterest income against $287K; $2.6M total noninterest expense against $2.3M.
$35K provision for credit losses against $140K.
$1.4M net income against $834K.
1.44% return on assets against 0.92%; 4.13% net interest margin against 3.76%.
16.23% tier 1 leverage ratio against 15.67%.
Inside the full American Continental Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Continental Bank rankings
Its closest position to the top of a national ranking is 1,437 of 3,611, for ROA; its furthest is 2,426 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q2 2025) to 1.72% (Q4 2024) and its net interest margin ran from 3.76% (Q2 2025) to 4.69% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.23% | 1.44% | 0.37% | 1.59% | 4.13% |
| Q1 2026 | 16.07% | 1.57% | 0.22% | 1.00% | 4.69% |
| Q4 2025 | 15.54% | 1.70% | 2.82% | 13.16% | 4.67% |
| Q3 2025 | 15.84% | 1.19% | 3.75% | 18.59% | 4.22% |
| Q2 2025 | 15.67% | 0.92% | 3.89% | 18.16% | 3.76% |
| Q1 2025 | 15.45% | 1.21% | 1.26% | 5.63% | 3.94% |
| Q4 2024 | 15.27% | 1.72% | 1.32% | 6.10% | 4.22% |
| Q3 2024 | 15.16% | 1.33% | 1.83% | 8.85% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Continental Bank (main office) | City Of Industry , CA | 91748 | $130.0M |
| Arcadia Branch | Arcadia , CA | 91007 | $85.2M |
| Alhambra Branch | Alhambra , CA | 91801 | $45.0M |
| Chino Hills Branch | Chino Hills , CA | 91709 | $45.0M |
| Bellevue Branch | Bellevue , WA | 98004 | $11.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 123 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 51 applications, 44 loans originated, $52.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 40 loans, $41.6M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Continental Bank
What are American Continental Bank's total assets?
As of the Q2 2026 filing, American Continental Bank reported total assets of $385.3 million in its FFIEC call report.
Where is American Continental Bank headquartered?
It is headquartered in City of Industry, CA, United States.
When was American Continental Bank founded?
It was established in 2003, per the FDIC institution directory.
Is American Continental Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Continental Bank?
American Continental Bank's primary federal regulator is the FDIC.
How many branches does American Continental Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Continental Bank's Texas Ratio?
Its Texas Ratio is 1.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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