Salt Lake City, UT · Cert 57571 · Continental Bcorp
State charter, non-member · FDIC · 1 branch
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 (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
18
Profitability
85
Liquidity
0
Efficiency
55
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.
Salt Lake City, UT · Cert 57571 · Continental Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #41 of 57 inst. · $0.1B of $1175.7B
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 | 0.62% | 0.31% | -0.43% | 0.01% | 0.17% | 0.13% | 1.45% | 2.06% | +205 bps | |
| Return on Equity | 4.05% | 2.03% | -3.03% | 0.10% | 1.17% | 0.89% | 9.51% | 13.25% | +1,315 bps | |
| Net Interest Margin | 6.06% | 5.48% | 5.06% | 5.14% | 5.27% | 5.17% | 4.85% | 4.91% | -23 bps | |
| Efficiency Ratio | 84.13% | 88.00% | 99.73% | 92.56% | 88.90% | 86.83% | 72.55% | 66.55% | -2,601 bps | |
| Non-Interest Burden | 5.04% | 4.79% | 5.04% | 4.71% | 4.60% | 4.34% | 2.72% | 2.11% | -260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.71% | 5.74% | 8.09% | 9.71% | 9.82% | -1.78% | -3.95% | -4.94% | -1,465 bps | |
| Loan Growth (YoY) | -7.56% | 6.19% | 7.75% | 9.84% | 3.93% | -10.63% | -7.94% | -8.47% | -1,832 bps | |
| Deposit Growth (YoY) | -12.84% | 5.31% | 6.67% | 20.26% | 14.27% | 1.41% | 3.74% | -2.41% | -2,267 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.43% | 1.56% | 0.77% | 1.40% | 1.82% | 1.06% | 1.39% | 0.98% | -41 bps | |
| Net Charge-Offs / Loans | 1.39% | 1.48% | 0.41% | 0.29% | 0.62% | 1.33% | 0.01% | 0.61% | +32 bps | |
| Allowance / Loans | 2.68% | 2.02% | 2.10% | 2.14% | 2.17% | 1.85% | 1.93% | 1.62% | -52 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.3x | 2.7x | 1.5x | 1.2x | 1.7x | 1.4x | 1.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.88% | 14.33% | 14.80% | 13.94% | 14.32% | 14.56% | 15.56% | 16.16% | +222 bps | |
| Total Risk-Based Capital | 18.75% | 16.60% | 17.12% | 17.31% | 18.65% | 19.26% | 20.09% | 20.72% | +342 bps | |
| Equity / Assets | 16.06% | 14.25% | 14.44% | 14.34% | 14.67% | 14.72% | 15.79% | 16.21% | +187 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 116.05% | 114.05% | 113.29% | 110.59% | 105.56% | 100.51% | 100.53% | 103.71% | -688 bps | |
| Liquid Assets / Assets | 0.86% | 1.29% | 3.01% | 0.89% | 1.60% | 2.22% | 1.80% | 2.16% | +127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 75.42% | 73.49% | 71.17% | n/a | n/a | |
Salt Lake City, UT · Cert 57571 · Peer group: banks under $1B in assets (n=581-629) · Continental Bcorp
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
2.08%
Rank 73 of 629
Net Interest Margin
4.91%
Rank 30 of 629
Efficiency Ratio
66.55%
Rank 287 of 629
Equity / Assets
16.21%
Rank 121 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.08% | 0.60% | 1.01% | 1.45% | Beats 88% | 73 / 629 | ||
| Return on Equity | 12.83% | 5.38% | 9.30% | 13.28% | Beats 72% | 177 / 629 | ||
| Net Interest Margin | 4.91% | 3.03% | 3.54% | 4.05% | Beats 95% | 30 / 629 | ||
| Efficiency Ratio | 66.55% | 58.35% | 67.79% | 79.08% | Beats 55% | 287 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.98% | 0.09% | 0.46% | 1.20% | Beats 31% | 403 / 581 | ||
| Net Charge-Offs / Loans | 0.40% | n/a | 0.01% | 0.06% | Beats 4% | 557 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.47% | 11.24% | 13.84% | 18.77% | Beats 77% | 146 / 629 | ||
| Total Risk-Based Capital Ratio | 20.72% | 11.58% | 14.43% | 19.66% | Beats 78% | 139 / 629 | ||
| Equity / Assets | 16.21% | 9.09% | 10.65% | 13.80% | Beats 81% | 121 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.71% | 67.24% | 80.90% | 93.48% | 91st pctl | 56 / 594 | ||
| Loans / Assets | 80.40% | 53.31% | 67.71% | 78.15% | 82nd pctl | 114 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||