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American Continental Bank

City of Industry, CA · Cert 57444 · American Continental Bcorp

State charter, non-member · FDIC · 5 branches

Q2 2026

$385.3MAssets
$287.2MLoans
$316.7MDeposits
$62.5MEquity
Loan mix
96%RE $282.8M4%C&I $13.3M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $286.1M10%Noninterest $30.6MQ2 2025Q2 2026

NIM

7.07%Q2 ’246.77%Q2 ’256.96%Q2 ’26+0%+14%

Non-interest income vs. expense

2.59%Q2 ’242.60%Q2 ’252.79%Q2 ’26-2%-2%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #80 of 107 inst. · $0.3B of $667.8B

0.1% Los Angeles
0.1% San Bernardino
0.0% King

Executive Summary

  • Earnings: ROA of 1.49%, up 42 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.37% of loans (-352 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.23%, up 56 bps from a year ago.
  • Funding: loans stand at 90.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.49%+42 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+53 bps YoY

Efficiency Ratio (YTD, annualized)

56.77%-582 bps YoY

Tier 1 Leverage Ratio

16.23%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.10%1.26%1.55%1.49%+42 bps
Return on Equity6.80%7.02%8.01%9.74%9.31%+251 bps
Net Interest Margin3.76%3.86%3.92%4.59%4.29%+53 bps
Efficiency Ratio62.59%59.10%56.88%54.05%56.77%-582 bps
Non-Interest Burden2.20%2.06%2.03%2.16%2.15%-4 bps
Growth
Asset Growth (YoY)3.60%4.29%5.90%4.51%7.26%+366 bps
Loan Growth (YoY)5.24%11.76%8.27%9.76%1.31%-393 bps
Deposit Growth (YoY)5.37%6.23%8.34%6.38%7.21%+185 bps
Asset Quality
Nonperforming Loans / Loans3.89%3.75%2.82%0.22%0.37%-352 bps
Net Charge-Offs / Loans0.23%0.15%0.22%0.00%0.00%-24 bps
Allowance / Loans1.45%1.52%1.50%1.60%1.64%+20 bps
Allowance Coverage of NPLs0.4x0.4x0.5x7.2x4.5x+4.1x
Capital
Tier 1 Leverage Ratio15.67%15.84%15.54%16.07%16.23%+56 bps
Total Risk-Based Capital15.67%15.84%15.54%16.07%16.23%+56 bps
Equity / Assets16.00%15.68%15.78%16.13%16.23%+23 bps
Liquidity & Funding
Loans / Deposits95.97%99.93%94.48%94.25%90.68%-529 bps
Liquid Assets / Assets16.94%13.62%18.22%18.92%21.55%+461 bps
CRE / Total Capitaln/a295%268%278%n/an/a