Continental Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 5.83 percentage points in Q2 2026, from 35.93% to 30.10%. It was the largest change from Q1 2026 among the key lines here. Continental Bank ranks 13th of 44 Utah banks on loan-to-deposit ratio, in the upper half at 103.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Continental Bank sits 23.16 points higher, at 103.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $146.2M |
| Net loans and leases | $143.8M |
| Loans held for sale | $0 |
| Loans to total assets | 80.40% |
| Loan-to-deposit ratio | 103.71% |
| Net loans to equity capital | 4.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.53% |
| Multifamily (5+ residential) | 3.40% |
| Commercial and industrial | 83.28% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.10% |
| Construction concentration (Tier 1 capital + allowance) | 12.51% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.89% |
| Interest income on loans | $2.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $155.0M | $141.7M | 7.72% | 83.10% | 0.00% |
| Q4 2023 | $152.4M | $134.7M | 8.52% | 80.94% | 0.00% |
| Q1 2024 | $146.5M | $130.6M | 9.06% | 80.84% | 0.00% |
| Q2 2024 | $145.4M | $120.1M | 9.14% | 80.28% | 0.00% |
| Q3 2024 | $143.3M | $123.5M | 9.24% | 77.31% | 0.00% |
| Q4 2024 | $161.8M | $141.9M | 9.08% | 79.47% | 0.00% |
| Q1 2025 | $157.8M | $139.3M | 7.81% | 79.83% | 0.00% |
| Q2 2025 | $159.7M | $144.4M | 7.27% | 79.59% | 0.00% |
| Q3 2025 | $148.9M | $141.1M | 6.98% | 82.44% | 0.00% |
| Q4 2025 | $144.6M | $143.9M | 6.77% | 82.36% | 0.00% |
| Q1 2026 | $145.3M | $144.5M | 6.67% | 82.59% | 0.00% |
| Q2 2026 | $146.2M | $141.0M | 6.53% | 83.28% | 0.00% |
Continental Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Continental Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Continental Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57571) · FFIEC NIC profile (RSSD 3220863)