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Continental Bank

Salt Lake City, UT · Cert 57571 · Continental Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

84

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Continental Bank

Salt Lake City, UT · Cert 57571 · Continental Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$181.8MAssets
$146.2MLoans
$141.0MDeposits
$29.5MEquity
Loan mix
17%RE $24.8M83%C&I $120.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $98.7M30%Noninterest $42.2MQ2 2025Q2 2026

NIM

7.83%Q2 ’247.23%Q2 ’256.89%Q2 ’26-18%-5%

Non-interest income vs. expense

5.60%Q2 ’245.40%Q2 ’255.58%Q2 ’26-8%-55%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #41 of 57 inst. · $0.1B of $1175.7B

Executive Summary

  • Earnings: ROA of 2.06%, up 205 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 0.98% of loans (-41 bps YoY), with net charge-offs at 0.61%.
  • Capital: tier 1 leverage ratio of 16.16%, up 222 bps from a year ago.
  • Funding: loans stand at 103.71% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.06%+205 bps YoY

Net Interest Margin (YTD, annualized)

4.91%-23 bps YoY

Efficiency Ratio (YTD, annualized)

66.55%-2,601 bps YoY

Tier 1 Leverage Ratio

16.16%+222 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.17%0.13%1.45%2.06%+205 bps
Return on Equity0.10%1.17%0.89%9.51%13.25%+1,315 bps
Net Interest Margin5.14%5.27%5.17%4.85%4.91%-23 bps
Efficiency Ratio92.56%88.90%86.83%72.55%66.55%-2,601 bps
Non-Interest Burden4.71%4.60%4.34%2.72%2.11%-260 bps
Growth
Asset Growth (YoY)9.71%9.82%-1.78%-3.95%-4.94%-1,465 bps
Loan Growth (YoY)9.84%3.93%-10.63%-7.94%-8.47%-1,832 bps
Deposit Growth (YoY)20.26%14.27%1.41%3.74%-2.41%-2,267 bps
Asset Quality
Nonperforming Loans / Loans1.40%1.82%1.06%1.39%0.98%-41 bps
Net Charge-Offs / Loans0.29%0.62%1.33%0.01%0.61%+32 bps
Allowance / Loans2.14%2.17%1.85%1.93%1.62%-52 bps
Allowance Coverage of NPLs1.5x1.2x1.7x1.4x1.6x+0.1x
Capital
Tier 1 Leverage Ratio13.94%14.32%14.56%15.56%16.16%+222 bps
Total Risk-Based Capital17.31%18.65%19.26%20.09%20.72%+342 bps
Equity / Assets14.34%14.67%14.72%15.79%16.21%+187 bps
Liquidity & Funding
Loans / Deposits110.59%105.56%100.51%100.53%103.71%-688 bps
Liquid Assets / Assets0.89%1.60%2.22%1.80%2.16%+127 bps
CRE / Total Capitaln/a75.42%73.49%71.17%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Continental Bank

Salt Lake City, UT · Cert 57571 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Continental Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$181.8MAssets
$146.2MLoans
$141.0MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets operating in a single state (rank 40 of 755).
  • Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets operating in a single state (rank 725 of 751).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.08%

Rank 40 of 755

Net Interest Margin

4.91%

Rank 40 of 755

Efficiency Ratio

66.55%

Rank 421 of 755

Equity / Assets

16.21%

Rank 82 of 755

Non-interest income vs. expense

$6.3M$10.2MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state
Bank 66.55%Peer median 64.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.08%0.72%1.06%1.45%Beats 95%40 / 755
Return on Equity12.83%6.66%10.44%13.61%Beats 69%234 / 755
Net Interest Margin4.91%3.15%3.68%4.17%Beats 95%40 / 755
Efficiency Ratio66.55%55.75%64.78%75.61%Beats 44%421 / 755
Asset Quality
Nonperforming Loans / Loans0.98%0.09%0.42%1.05%Beats 27%546 / 751
Net Charge-Offs / Loans0.40%0.00%0.01%0.05%Beats 4%725 / 751
Capital
Tier 1 Capital Ratio19.47%11.56%13.81%17.74%Beats 80%148 / 755
Total Risk-Based Capital Ratio20.72%11.72%14.46%18.53%Beats 82%137 / 755
Equity / Assets16.21%8.93%10.56%13.13%Beats 89%82 / 755
Liquidity & Funding
Loans / Deposits103.71%62.43%78.62%91.00%93rd pctl52 / 755
Loans / Assets80.40%54.70%67.27%76.55%85th pctl111 / 755
Brokered Deposits / Depositsn/aNot reported for this institution