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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