Continental Bank
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Data as of · sourced from FFIEC call reports. How we update
Continental Bank is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, established in 2003 (FDIC certificate 57571), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $181.8M, down 4.9% from Q2 2025, the 39th largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 19.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57571
- Headquarters
- Salt Lake City, UT
- Established
- 2003
- Total assets, Q2 2026
- $181.8M
- Assets vs Q2 2025
- -4.9%
- CET1 ratio, Q2 2026
- 19.47%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124003077
- Latest call report
- Q2 2026, FFIEC 051 · Continental Bank call report
- Holding company
- CONTINENTAL BANCORPORATION
- Asset rank in state
- 39th of 44 in Utah
Continental Bank is one of the more profitable banks of its size. It reported $182 million in assets at June 30, 2026, down 4.9% from a year earlier. It earns about $3.42 a year on every $100 of assets, 2.7 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.97 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.98% of loans, down from 1.40% a year earlier. The balance sheet shrank over the year: over the year loans fell 8.5% and deposits fell 2.4%.
As of June 30, 2026, Continental Bank reported a CET1 capital ratio of 19.47%, a return on assets of 3.42%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 4.52%. The figures come from its call report filed with the FFIEC.
Of the 44 banks headquartered in Utah, Continental Bank is the 39th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $181.8M, loans rose 0.6% and deposits fell 2.5%. Commercial and industrial loans made up 83.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 6.1%. The FDIC Summary of Deposits lists a single office for it, in Salt Lake City, UT. By the capital ratios in its Q2 2026 call report, Continental Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 W South Temple, Salt Lake City, UT 84101
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- 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
- November 3, 2003
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $141.0M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $445K
- Average total assets
- $182.2M
- Average total loans
- $143.4M
- Average interest-bearing deposits
- $143.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 3, 2003
- FDIC Cert
- 57571
- Fed RSSD
- 3220863
- Website
- http://www.cbankus.com →
- Parent Holding Company
- CONTINENTAL BANCORPORATION (RSSD 3191459)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Continental Bank's total assets ran between $171.4M (Q3 2024) and $191.3M (Q2 2025), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$181.8M total assets against $191.3M; $152.4M total liabilities against $163.9M.
$143.8M net loans and leases against $156.3M; $141.0M total deposits against $144.4M.
$14.4M securities against $13.3M; $19.7M cash and balances due against $16.2M.
$3.2M total interest income against $3.6M; $939K total interest expense against $893K.
$2.3M net interest income against $2.7M.
$1.8M total noninterest income against $357K; $2.5M total noninterest expense against $2.7M.
$0 provision for credit losses against $169K.
$1.6M net income against $223K.
3.42% return on assets against 0.45%; 4.97% net interest margin against 5.70%.
19.47% CET1 capital ratio against 16.05%; 16.16% tier 1 leverage ratio against 13.94%.
Inside the full Continental Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Continental Bank rankings
Its closest position to the top of a national ranking is 42 of 3,611, for ROA; its furthest is 3,093 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.73% (Q4 2024) to 3.42% (Q2 2026) and its net interest margin ran from 4.65% (Q4 2025) to 6.31% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.47% | 3.42% | 0.98% | 4.52% | 4.97% |
| Q1 2026 | 18.83% | 1.86% | 1.39% | 6.43% | 4.86% |
| Q4 2025 | 18.01% | 0.01% | 1.06% | 5.08% | 4.65% |
| Q3 2025 | 17.39% | 0.60% | 1.82% | 8.76% | 5.22% |
| Q2 2025 | 16.05% | 0.45% | 1.40% | 7.23% | 5.70% |
| Q1 2025 | 15.86% | -0.45% | 0.77% | 3.99% | 4.95% |
| Q4 2024 | 15.35% | -0.73% | 1.56% | 8.27% | 5.78% |
| Q3 2024 | 17.48% | 0.84% | 2.43% | 11.08% | 6.31% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Continental Bank (main office) | Salt Lake City , UT | 84101 | $141.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in UT, rank 52 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $949K approved, $949K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Continental Bank
What are Continental Bank's total assets?
As of the Q2 2026 filing, Continental Bank reported total assets of $181.8 million in its FFIEC call report.
Where is Continental Bank headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was Continental Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Continental Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57571). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Continental Bank?
Continental Bank's primary federal regulator is the FDIC.
What is Continental Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Continental Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Continental Bank's Texas Ratio?
Its Texas Ratio is 4.52% 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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