Continental Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.18 percentage points higher than in Q1 2026, at 103.71%. Within Utah, Continental Bank is 11th of 44 on return on assets, 3.42% as of Q2 2026. Continental Bank's return on assets of 3.42% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 2.17 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.47% |
| Tier 1 risk-based capital ratio | 19.47% |
| Total risk-based capital ratio | 20.72% |
| Tier 1 leverage ratio | 16.16% |
| Equity capital to assets | 16.21% |
| Tangible equity to tangible assets | 16.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.74% |
| Non-performing assets ratio | 1.40% |
| Net charge-off ratio | 1.23% |
| Texas ratio | 4.52% |
| Allowance for credit losses to loans | 1.62% |
| Reserve coverage of non-performing loans | 93.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.42% |
| Return on equity | 21.50% |
| Net interest margin | 4.97% |
| Efficiency ratio | 61.35% |
| Yield on earning assets | 7.04% |
| Cost of funds | 1.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.71% |
| Core deposits to total deposits | 76.40% |
| Brokered deposits to total deposits | 23.39% |
| Deposits to assets | 77.52% |
| Securities to assets | 7.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.54% | 17.54% | 18.81% | 16.67% | -0.26% |
| Q4 2023 | 15.58% | 15.58% | 16.85% | 14.03% | -5.27% |
| Q1 2024 | 16.29% | 16.29% | 17.56% | 15.32% | 0.71% |
| Q2 2024 | 16.73% | 16.73% | 17.99% | 16.20% | 0.88% |
| Q3 2024 | 17.48% | 17.48% | 18.75% | 15.88% | 0.84% |
| Q4 2024 | 15.35% | 15.35% | 16.60% | 14.33% | -0.73% |
| Q1 2025 | 15.86% | 15.86% | 17.12% | 14.80% | -0.45% |
| Q2 2025 | 16.05% | 16.05% | 17.31% | 13.94% | 0.45% |
| Q3 2025 | 17.39% | 17.39% | 18.65% | 14.32% | 0.60% |
| Q4 2025 | 18.01% | 18.01% | 19.26% | 14.56% | 0.01% |
| Q1 2026 | 18.83% | 18.83% | 20.09% | 15.56% | 1.86% |
| Q2 2026 | 19.47% | 19.47% | 20.72% | 16.16% | 3.42% |
Continental Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Continental Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)