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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.72% | 1.21% | 0.92% | 1.18% | 1.71% | 1.55% | 1.44% | +51 bps | |
| Return on Equity | 8.72% | 11.16% | 7.77% | 5.85% | 7.46% | 10.88% | 9.74% | 8.89% | +304 bps | |
| Net Interest Margin | 3.76% | 4.13% | 3.85% | 3.67% | 4.12% | 4.57% | 4.59% | 4.04% | +37 bps | |
| Efficiency Ratio | 56.31% | 48.57% | 61.21% | 64.09% | 53.25% | 51.10% | 54.05% | 59.83% | -425 bps | |
| Non-Interest Burden | 1.84% | 1.58% | 2.16% | 2.23% | 1.81% | 2.19% | 2.16% | 2.18% | -6 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 | 0.00% | 0.00% | 0.03% | 0.44% | 0.02% | 0.42% | 0.00% | 0.00% | -44 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 | |