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American Continental Bank
City Of Industry, CA · FDIC Certificate #57444 · Chartered 10/0
Total assets
$385.26M
Total deposits
$316.73M
Total equity
$62.55M
Net loans
$282.50M
Branches (offices)
5
Net income (YTD)
$2.85M
Rank: #2,118 of 4,213 U.S. banks by assets · #88 of 115 in California. Assets changed 7.3% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 9.31% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 16.23% |
| Tier 1 leverage ratio | 16.23% |
| Uninsured deposits (share of deposits) | 25.8% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 89.2% |
| Real estate loans (share of loans) | 98.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $277.09M | 98.1% | |
| Commercial & industrial | $12.84M | 4.5% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $39.01M | 13.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $324.45M | $271.29M | $2.76M | $44.48M |
| Jun 2023 | $357.41M | $293.26M | $2.58M | $49.74M |
| Jun 2024 | $346.73M | $280.36M | $1.81M | $53.33M |
| Jun 2025 | $359.20M | $295.41M | $1.92M | $57.48M |
| Jun 2026 | $385.26M | $316.73M | $2.85M | $62.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $305.23M | 4 |
| Washington | $11.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $316.73M.
Similar-sized banks
Wolf River Community Bank ($385.79M) · New Valley Bank & Trust ($384.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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