American Continental Bank: how it compares with its peers
Against 32 CA banks with half to twice its assets, American Continental Bank's strongest measure in Q2 2026 is return on assets (1.49% vs. a 0.82% peer median). Its weakest relative measure is assets per employee ($7.9M vs. $8.6M).
| Measure | American Continental Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 0.82% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 3.76% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.77% | 68.30% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $8.6M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.19% | 94.52% | Context |
What it means for lending operations
Its efficiency ratio of 56.77% is better than the 68.30% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Universal Bank West Covina, CA · $388M
- Balboa Thrift and Loan Association Chula Vista, CA · $394M
- Community Bank of Santa Maria Santa Maria, CA · $397M
- Liberty Bank, National Association Irvine, CA · $399M
- Infinity Bank Santa Ana, CA · $360M
- Murphy Bank Fresno, CA · $357M
Questions about American Continental Bank
How big is American Continental Bank?
American Continental Bank, established in 2003, is headquartered in City Of Industry, CA. It reported $385M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is American Continental Bank's return on assets?
1.49% annualized in Q2 2026, against a 0.82% median for 32 CA banks with half to twice its assets, ahead of 78% of them.
What is American Continental Bank's efficiency ratio?
56.77% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 68.30%, and lower is better.
Is American Continental Bank growing its loans?
Net loans grew 1.1% over the year to Q2 2026, while deposits grew 7.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.