BlastPoint's Banking Scorecard
American Continental Bank
Micro
Specialty: Commercial
CA
FDIC cert 57444
Designations: ✓ Community bank
City Of Industry, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
American Continental Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.22% above tier
- - Non-Interest-Bearing Deposit Share 14.80% below tier
- - Nonperforming Asset Ratio 1.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$378.2M
+5.9% YoY
+1.3% QoQ
|
+$160.7M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$290.5M
+8.4% YoY
-4.3% QoQ
|
+$151.3M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$312.2M
+8.3% YoY
+1.1% QoQ
|
+$128.5M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.26%
-2.3% YoY
+14.2% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.24%
+5.7% YoY
+4.9% QoQ
|
+0.38% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
56.88%
-0.8% YoY
-3.8% QoQ
|
-10.85% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
2.86%
+114.3% YoY
-24.8% QoQ
|
+2.22% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
93.07%
+0.0% YoY
-5.4% QoQ
|
+18.54% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
7.59%
+11.0% YoY
+1.5% QoQ
|
-14.80% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
2.20%
+119.2% YoY
-29.0% QoQ
|
+1.75% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
-12.5% YoY
+17.7% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.86%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.59%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.20%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $290.5M · Tier avg: $139.2M
85
85th pctile
Total Assets
Current: $378.2M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $312.2M · Tier avg: $183.7M
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.07% · Tier avg: 74.53%
76
76th pctile
Efficiency Ratio
Current: 56.88% · Tier avg: 67.73%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.59% · Tier avg: 22.39%
8
8th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.86% · Tier avg: 0.64%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.59% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
76
76th pctile
Efficiency Ratio
Current: 56.88% · Tier avg: 67.73%
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.07% · Tier avg: 74.53%
83
83th pctile
Total Deposits
Current: $312.2M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $378.2M · Tier avg: $217.5M
91
91th pctile
Total Loans
Current: $290.5M · Tier avg: $139.2M