City of Industry, CA · Cert 57444 · American Continental Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
72
Profitability
78
Liquidity
73
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
City of Industry, CA · Cert 57444 · American Continental Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #80 of 107 inst. · $0.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.29% | 1.21% | 1.07% | 1.10% | 1.26% | 1.55% | 1.49% | +42 bps | |
| Return on Equity | 7.52% | 8.46% | 7.77% | 6.80% | 7.02% | 8.01% | 9.74% | 9.31% | +251 bps | |
| Net Interest Margin | 3.68% | 3.76% | 3.85% | 3.76% | 3.86% | 3.92% | 4.59% | 4.29% | +53 bps | |
| Efficiency Ratio | 60.91% | 57.35% | 61.21% | 62.59% | 59.10% | 56.88% | 54.05% | 56.77% | -582 bps | |
| Non-Interest Burden | 2.07% | 1.93% | 2.16% | 2.20% | 2.06% | 2.03% | 2.16% | 2.15% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | 1.85% | 6.81% | 3.60% | 4.29% | 5.90% | 4.51% | 7.26% | +366 bps | |
| Loan Growth (YoY) | 7.05% | 7.01% | 3.12% | 5.24% | 11.76% | 8.27% | 9.76% | 1.31% | -393 bps | |
| Deposit Growth (YoY) | 3.81% | 0.80% | 6.69% | 5.37% | 6.23% | 8.34% | 6.38% | 7.21% | +185 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.83% | 1.32% | 1.26% | 3.89% | 3.75% | 2.82% | 0.22% | 0.37% | -352 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.09% | 0.03% | 0.23% | 0.15% | 0.22% | 0.00% | 0.00% | -24 bps | |
| Allowance / Loans | 1.51% | 1.58% | 1.60% | 1.45% | 1.52% | 1.50% | 1.60% | 1.64% | +20 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.2x | 1.3x | 0.4x | 0.4x | 0.5x | 7.2x | 4.5x | +4.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.16% | 15.27% | 15.45% | 15.67% | 15.84% | 15.54% | 16.07% | 16.23% | +56 bps | |
| Total Risk-Based Capital | 15.16% | 15.27% | 15.45% | 15.67% | 15.84% | 15.54% | 16.07% | 16.23% | +56 bps | |
| Equity / Assets | 15.22% | 15.56% | 15.62% | 16.00% | 15.68% | 15.78% | 16.13% | 16.23% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.98% | 94.54% | 91.35% | 95.97% | 99.93% | 94.48% | 94.25% | 90.68% | -529 bps | |
| Liquid Assets / Assets | 19.08% | 19.91% | 22.93% | 16.94% | 13.62% | 18.22% | 18.92% | 21.55% | +461 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 268% | 278% | n/a | n/a | |
City of Industry, CA · Cert 57444 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · American Continental Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.48%
Rank 6 of 28
Net Interest Margin
4.29%
Rank 6 of 28
Efficiency Ratio
56.77%
Rank 8 of 28
Equity / Assets
16.23%
Rank 11 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 0.39% | 0.81% | 1.45% | Beats 79% | 6 / 28 | ||
| Return on Equity | 9.10% | 2.58% | 5.09% | 9.10% | Beats 75% | 7 / 28 | ||
| Net Interest Margin | 4.29% | 3.22% | 3.68% | 4.12% | Beats 79% | 6 / 28 | ||
| Efficiency Ratio | 56.77% | 56.77% | 70.25% | 85.37% | Beats 75% | 8 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | n/a | 0.26% | 1.61% | Beats 44% | 16 / 27 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.23% | 13.70% | 16.46% | 19.75% | Beats 39% | 17 / 28 | ||
| Total Risk-Based Capital Ratio | 16.23% | 14.96% | 17.60% | 20.63% | Beats 36% | 18 / 28 | ||
| Equity / Assets | 16.23% | 11.97% | 15.41% | 17.42% | Beats 61% | 11 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.68% | 84.00% | 97.95% | 102.47% | 39th pctl | 17 / 28 | ||
| Loans / Assets | 74.55% | 69.18% | 76.59% | 81.19% | 43rd pctl | 16 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||