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 (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 | 0.66% | -0.76% | -0.43% | 0.37% | 0.48% | 0.01%1 | 1.45% | 2.70% | +233 bps | |
| Return on Equity | 4.17% | -5.04% | -3.03% | 2.57% | 3.29% | 0.06% | 9.51% | 16.88% | +1,431 bps | |
| Net Interest Margin | 6.11% | 5.37% | 5.06% | 5.57% | 5.31% | 4.66% | 4.85% | 4.95% | -62 bps | |
| Efficiency Ratio | 86.67% | 100.71% | 99.73% | 86.44% | 81.86% | 81.31% | 72.55% | 61.35% | -2,509 bps | |
| Non-Interest Burden | 5.27% | 5.41% | 5.04% | 4.71% | 4.18% | 3.37% | 2.72% | 1.48% | -324 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 | -0.35% | 2.23% | 0.41% | 0.17% | 1.23% | 3.41% | 0.01% | 1.21% | +104 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 | |