TellerScore

American Continental Bank is a state-chartered bank headquartered in City Of Industry, California, in business for about 23 years. At the end of Q2 2026 it reported $385.3M in total assets and $316.7M in deposits, with 7 offices across 2 states.

Based on its Q2 2026 filing, American Continental Bank scores 87/100, which we describe as very strong. That is higher than 91% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 9th. Its strongest component is capital cushion (100/100; 16.23%), and its lowest is funding & liquidity (59/100; 89% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.23%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings80/100
Return on assets (annualized): 1.49%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 89.2% · 25.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.57%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 30 points (57 → 87), mostly because the loan quality component improved by 88 points.

TellerScore
577388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202469
Q4 202476
Q1 202576
Q2 202557
Q3 202557
Q4 202561
Q1 202688
Q2 202687
Tier 1 leverage ratio
5.00%10.62%16.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.25%
Q3 202415.16%
Q4 202415.27%
Q1 202515.45%
Q2 202515.67%
Q3 202515.84%
Q4 202515.54%
Q1 202616.07%
Q2 202616.23%
Noncurrent loans
0.22%2.05%3.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.02%
Q3 20241.83%
Q4 20241.32%
Q1 20251.26%
Q2 20253.89%
Q3 20253.75%
Q4 20252.82%
Q1 20260.22%
Q2 20260.37%
Return on assets
1.05%1.30%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20241.14%
Q4 20241.29%
Q1 20251.21%
Q2 20251.07%
Q3 20251.10%
Q4 20251.26%
Q1 20261.55%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$385.3M16.23%0.37%1.49%89.2%
Q1 202688$379.1M16.07%0.22%1.55%92.7%
Q4 202561$378.2M15.54%2.82%1.26%93.1%
Q3 202557$373.5M15.84%3.75%1.10%98.4%
Q2 202557$359.2M15.67%3.89%1.07%94.6%
Q1 202576$362.7M15.45%1.26%1.21%89.9%
Q4 202476$357.1M15.27%1.32%1.29%93.1%
Q3 202469$358.1M15.16%1.83%1.14%93.5%
Q2 202476$346.7M15.25%1.02%1.05%94.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.23%
91st
Total risk-based capital0.00%
24th
Problem loans0.37%
52nd
Net charge-offs-0.00%
80th
Return on assets1.49%
65th
Net interest margin4.46%
78th
Efficiency ratio56.8%
67th
Loans to deposits89.2%
28th
Uninsured deposits25.8%
43rd
Loan-loss reserves1.64%
86th
Texas ratio1.6%
62nd

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Universal BankBank West Covina, CA54 out of 100, Below average$388.0M17.8%3.74%vs
Balboa Thrift and Loan AssociationBank Chula Vista, CA48 out of 100, Below average$394.5M10.6%1.14%vs
Community Bank of Santa MariaBank Santa Maria, CA72 out of 100, Strong$396.5M10.5%0.15%vs
Liberty Bank, National AssociationBank Irvine, CA72 out of 100, Strong$399.2M14.4%0.00%vs
Infinity BankBank Santa Ana, CA70 out of 100, Strong$359.5M13.0%0.95%vs
Murphy BankBank Fresno, CA88 out of 100, Very strong$357.2M14.9%0.39%vs

Deposit insurance

Is my money safe at American Continental Bank?

Yes. American Continental Bank is an FDIC-insured institution (FDIC certificate #57444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.8% of deposits ($81.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.23%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

American Continental Bank lists 5 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Continental Bank reported 51 home-loan applications under HMDA (LEI 254900R4U4WND1HMIZ29): 44 originated ($52,130,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Continental Bank
Former names
Continental Bank of America
Type
State-chartered bank
FDIC certificate #
57444
RSSD ID
3216316
Primary regulator
FDIC
Holding company
American Continental Bcorp
Established
October 6, 2003
Headquarters
17700 Castleton St, City Of Industry, CA 91748
Employees
49

Quick answers

American Continental Bank: common questions

Is American Continental Bank FDIC insured?

Yes. American Continental Bank is an FDIC-insured institution (FDIC certificate #57444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Continental Bank's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Continental Bank ever failed?

There is no failure record for FDIC certificate #57444 in the FDIC failed bank list.

How many branches does American Continental Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near City Of Industry

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs