BlastPoint's Banking Scorecard
Continental Bank
Micro
Specialty: Commercial
UT
FDIC cert 57571
Designations: ✓ Community bank
Salt Lake City, UT
2498
banks in Micro tier nationally
9 in UT
View Micro leaderboard (UT) →
Continental Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.48% above tier
- + Non-Interest Income / Assets 0.58% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.92% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$187.8M
-1.8% YoY
-0.2% QoQ
|
-$29.7M |
$217.5M
+2.3% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$142.0M
-10.5% YoY
-2.6% QoQ
|
+$2.8M |
$139.2M
+2.8% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$143.9M
+1.4% YoY
+2.0% QoQ
|
-$39.8M |
$183.7M
+1.8% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.16%
-57.8% YoY
-23.6% QoQ
|
-0.92% |
1.08%
+14.7% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
5.33%
-12.3% YoY
-3.1% QoQ
|
+1.48% |
3.85%
+6.6% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
86.83%
-1.3% YoY
-2.3% QoQ
|
+19.11% |
67.73%
-4.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
1.08%
-31.9% YoY
-41.6% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
98.66%
-11.7% YoY
-4.5% QoQ
|
+24.13% |
74.53%
+0.5% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.31%
+394.6% YoY
-5.7% QoQ
|
+8.91% |
22.39%
-1.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.82%
-37.9% YoY
-43.0% QoQ
|
+0.37% |
0.45%
+25.1% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
18.01%
+17.3% YoY
+3.6% QoQ
|
+9.15% |
8.85%
-3.4% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.15%
+348.8% YoY
+95.1% QoQ
|
+0.58% |
0.56%
+0.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.33%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.15%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.16%
(Tier avg: 1.08%, National avg: 1.12%)
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
95
95th pctile
Net Interest Margin
Current: 5.33% · Tier avg: 3.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.56%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.66% · Tier avg: 74.53%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.31% · Tier avg: 22.39%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.01% · Tier avg: 8.85%
57
57th pctile
Total Loans
Current: $142.0M · Tier avg: $139.2M
48
48th pctile
Total Assets
Current: $187.8M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $143.9M · Tier avg: $183.7M
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
12
12th pctile
Efficiency Ratio
Current: 86.83% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.83% · Tier avg: 67.73%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
44
44th pctile
Total Deposits
Current: $143.9M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $187.8M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $142.0M · Tier avg: $139.2M
82
82th pctile
Tier 1 Capital Ratio
Current: 18.01% · Tier avg: 8.85%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.31% · Tier avg: 22.39%
89
89th pctile
Loan-to-Deposit Ratio
Current: 98.66% · Tier avg: 74.53%
94
94th pctile
Non-Interest Income / Assets
Current: 1.15% · Tier avg: 0.56%
95
95th pctile
Net Interest Margin
Current: 5.33% · Tier avg: 3.85%