FDIC Cert #57571 · Salt Lake City, Utah · Est. 2003

Continental Bank - FDIC Bank Health Profile

A community-scale look at Continental Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$188M
Total assets
C
Health grade · Fair
0.16%
Return on assets
18.0%
Tier 1 capital

Data updated July 2026

The verdict

Continental Bank earns a PlainBankData health grade of C (63/100), with well-capitalized at 18.01% Tier 1, 0.16% ROA, 87% efficiency ratio.

#3,105
largest of 4,313 FDIC banks by assets
28th
percentile by asset size, nationally
18.01%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 57571 · UT C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3574/4307
  • PHOTO-FINISH Commerce Bank & Trust · FL
  • TIER1-WELL 18.0% Tier 1
  • TEXAS-CLEAN 5.1% Texas
  • ROA-THIN 0.16% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Commerce Bank & Trust, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Continental Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Advantage Bank · MO · ne…63/100Commerce Bank & Trust · FL ·…63/100Continental Bank · UT · this…63/100Millennium Bank · IL · near63/100R Bank · TX · near63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Continental Bank · July 2026

What Continental Bank's Call Report plate shows

Continental Bank (FDIC Cert #57571) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,574 of 4,307. Tier 1 capital prints at 18.01%, clearing the 10% well-capitalized line. The Texas Ratio is 5.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.16%. Balance-sheet scale is $188M, 3,105th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Commerce Bank & Trust (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Continental Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Continental Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Continental Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How Continental Bank's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
Continental Bank's composite health score
Tier 1 Capital Ratio (18.01%) 40/40
Return on Assets (ROA) (0.16%) 7/25
Texas Ratio (5.08%) 16/20
Efficiency Ratio (86.83%) 0/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$188M

Total balance-sheet footings

Total Deposits

$144M

Customer-funded liabilities

Net Loans

$142M

Outstanding loan book

Net Income

$310K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.61% 18.01% 19.41%
Basel III capital ratios - Continental Bank

Where Continental Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Continental Bank's score of 63/100 falls in the highlighted band.

Continental Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Continental Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Continental Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Continental Bank's $188M falls in the highlighted band.

Safety ratios for Continental Bank

Tier 1 capital ratio
Well-capitalized 10%

18.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.01%
Texas Ratio
5.08%
Equity Capital
$28M

What these ratios mean →

Profitability metrics: Continental Bank

Return on Assets (ROA)
7th percentile nationally
0.16%
Return on Equity (ROE)
1.13%
Efficiency Ratio
86.83%

What these mean →

Income & expense at Continental Bank

$14M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Continental Bank reports a Texas Ratio of 5.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Continental Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($188M here), outside Utah so the neighborhood is not state containment.

The First National Bank of Evant $188M · TX Citizens Federal Savings Bank $188M · KS CBL State Savings Bank $188M · SC The Bank of Kaukauna $188M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Continental Bank (FDIC Cert #57571) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Continental Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%