# CONTINENTAL BANK
SALT LAKE CITY, UT · FDIC certificate 57571 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $181.8M | |
| Deposits | $141.0M | |
| Loans and leases | $146.2M | |
| Total equity | $29.5M | |
| Loans / deposits | 102.04% (p93 of band) | 73.59% |
| Liquid assets / assets | 18.75% (p19 of band) | |
| Uninsured deposits / deposits | 43.55% (p94 of band) | 19.81% |
| Brokered deposits | 18.14% | |
| Wholesale funding | 22.86% (p97 of band) | |
| FHLB advances / assets | 2.52% | |
| Tier 1 leverage | 16.16% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | -3.70% (p62 of band) | -6.57% |
| AOCI / equity | -0.03% (p68 of band) | |
| ROA (annualized) | 2.63% (p94 of band) | 1.17% |
| Net interest margin | 5.00% (p90 of band) | 3.93% |
| Efficiency ratio | 66.55% (p52 of band) | |
| Noncurrent loans | 0.98% (p70 of band) | 0.36% |
| Net charge-offs (annualized) | 0.49% (p97 of band) | |
| Reserve coverage of noncurrent | 164.56% | |
| Real estate % of loans | 16% | |
| Construction % of loans | 13.50% (p44 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 6 | liquid assets <10%, reserve under noncurrent |  |
| 2011-09 | 4 |  | charge-offs p90, reserve under noncurrent |
| 2011-12 | 3 |  | liquid assets <10% |
| 2012-03 | 5 | liquid assets <10%, reserve under noncurrent |  |
| 2012-06 | 6 | deposits shrinking |  |
| 2012-09 | 6 | uninsured deposits leaving | deposits shrinking |
| 2012-12 | 5 |  | uninsured deposits leaving |
| 2013-03 | 6 | capital falling |  |
| 2013-06 | 5 |  | reserve under noncurrent |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 5 | uninsured deposits leaving |  |
| 2014-03 | 6 | capital falling, charge-offs p90 | liquid assets <10% |
| 2014-06 | 5 | liquid assets <10% | uninsured deposits leaving, charge-offs p90 |
| 2014-09 | 5 |  |  |
| 2014-12 | 6 | charge-offs p90 |  |
| 2015-03 | 7 | reserve under noncurrent |  |
| 2015-06 | 7 | uninsured deposits leaving | reserve under noncurrent |
| 2015-09 | 6 |  | capital falling |
| 2015-12 | 5 |  | liquid assets <10% |
| 2016-03 | 6 | capital falling, reserve under noncurrent | loans exceed deposits |
| 2016-06 | 4 |  | uninsured deposits leaving, reserve under noncurrent |
| 2016-09 | 5 | loans exceed deposits |  |
| 2016-12 | 5 | uninsured deposits leaving | loans exceed deposits |
| 2017-03 | 6 | loans exceed deposits, deposits shrinking, assets shrinking | charge-offs p90, capital falling |
| 2017-06 | 3 | charge-offs p90 | uninsured deposits leaving, loans exceed deposits, deposits shrinking, assets shrinking |
| 2017-09 | 4 | reserve under noncurrent |  |
| 2017-12 | 6 | deposits shrinking, assets shrinking |  |
| 2018-03 | 3 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 4 | loans exceed deposits, charge-offs p90 | capital falling |
| 2019-03 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 7 | assets shrinking |  |
| 2019-12 | 6 |  | uninsured deposits leaving |
| 2020-03 | 6 | capital falling | assets shrinking |
| 2020-06 | 6 |  |  |
| 2020-09 | 4 |  | deposits shrinking, capital falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | loans exceed deposits, charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 4 | charge-offs p90, assets shrinking |  |
| 2021-12 | 4 | deposits shrinking | charge-offs p90 |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | uninsured deposits leaving |  |
| 2022-09 | 4 |  | uninsured deposits leaving |
| 2022-12 | 5 | loans exceed deposits |  |
| 2023-03 | 7 | charge-offs p90, uninsured deposits leaving |  |
| 2023-06 | 7 |  |  |
| 2023-09 | 5 |  | assets shrinking, deposits shrinking |
| 2023-12 | 8 | capital falling, losing money, noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2024-03 | 7 | deposits shrinking | capital falling, losing money |
| 2024-06 | 7 |  |  |
| 2024-09 | 7 | assets shrinking | reserve under noncurrent |
| 2024-12 | 5 | capital falling | noncurrent p90, deposits shrinking, assets shrinking |
| 2025-03 | 6 | losing money, expense ratio p90 | capital falling |
| 2025-06 | 4 |  | losing money, expense ratio p90 |
| 2025-09 | 5 | uninsured deposits >50% |  |
| 2025-12 | 4 |  | loans exceed deposits |
| 2026-03 | 2 |  | charge-offs p90, uninsured deposits >50% |
| 2026-06 | 4 | loans exceed deposits, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-05-08 [Continental Bank Announces Kelly Barnett’s Consulting Contract and Board Seat - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxOWGlXeXRlbXlYXzdlZXhHM1RZaExSYktmNUJ3YWhSUDVlZjBCR2hzcDdIWFpIZnlQOUw0QV9NUzJEamxENVJtS1ZKTXFzMUxEdjVZejZMODdmQXFVajVLRDhoSGpmNUxWMFpsUzdLbjVDUUJjcVZqVDV5VzEzZ2ZwY09LNU9EX3dmTS0zVVd0bzJJYXBleU8tSk1FcWFfbkxqQ1M4dGd5VjhoSEpieVh1YkQza3pmUF82ODVRYi1rVGNYOThKb3pudF9LcWFqdw?oc=5) · Business Wire
- 2020-05-06 [Continental Bank Selects TCS BaNCS™ Cloud to Offer Richer, Digitalized Customer Experiences - tcs.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPQ00xN0hfaEw4TmJaOWd1eWRDZ1ZJN3RnQUdhdXRIM2trRUIwTmc2RDIwQ3E0cS1zSmZYNkdOYl9yMkxkdnllRU1NLW4yRE4zS0RIYmRNd24wRi1STW95enNpbFRqSzN2S1c2dmJEcW9UUU1YTHY4Q0R3SF9hbjhjUkE2dF80bUpNcDlVQzUtOWE0Z3J2ZW54b25FQkVMaFhIaVVqMnJuWXl2Wnc2MklINEhjSXdPUzk1NTVORnhfeElRalR0MmZWQzYxVUJGYURRQU5mSHBacw?oc=5) · tcs.com
- 2025-08-07 [Continental Bank Review: Pros and Cons - The College Investor](https://news.google.com/rss/articles/CBMibkFVX3lxTFBZOU8yU3FRU1RkSjA1YnZDdU1fTnQxU0pfUEpFWWZYZEhXZDRMQThBbFhJbm9IZWpzTlM3WWhydzd5eGViUzZlb3pheGttX3ZTYWZfVUdGZU1ZOGpEMk01RndvUnRwM0xyLTBBYmdn?oc=5) · The College Investor
- 2026-03-27 [Karen Crawford Cole Obituary Mar 23, 2026 - Goff Mortuary](https://news.google.com/rss/articles/CBMiX0FVX3lxTE42Ml85WU9YLVNxZ0VDTVVjSHJmVks0QXpDUkxEcFl1M0lNbkg3WUdUWWFuUXlFeDBpRGJOTldaTXZiQm9EMXktY3BLSmQ0NzBLb2JQZkFOMXVEUF81bVBr?oc=5) · Goff Mortuary
- 2023-09-21 [Lucille Gerbig Obituary - Millcreek, UT - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZEZSZlNISTVtd2FtdTNnTDh5LWx0WEw4V0hONC1EanM5ODJMcU5nWUc0cnEyRUYyNlRrbU9CbWFIcnZ2eFpEam1HbWpoWWQ4Z0ZHTjdGYXZmdVJqUFIxZkdPTElXVzRYOFlxYjdSY0NaZ0M1OEVNOUhiaHFLUkFNZDZRd18?oc=5) · Dignity Memorial
- 2015-07-17 [Lawrence Higgins Obituary (1922 - 2015) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPanBvUDQ2RzZoUWQ0NXdHRnBjQ3FqYTJLTjk0QXp1OXFiY0VIMUYzZXM1bGtjMDFJR1ktaW44cFppS1FxemgzWkdhMTJBbTRoeVRiSzhtb0NPM0F2WUcxYUQ3X3RxbS1YRll1T09YeVFaTU4zMjZWVDZXMVFvMUkwa3QzYlhKWXJiaHI0UGVVTmdYLVdUVFNJdzBuVQ?oc=5) · legacy.com
- 2018-03-20 [COSGRIFF, BANKER, DIES IN CAR CRASH; Utah Leader, 47, Served in R.F.C. Under Truman (Published 1961) - The New York Times](https://news.google.com/rss/articles/CBMisAFBVV95cUxQSDg1TDBhN0EwWmFEdlVYaUtobXJFZ0xDV2Z6WGlHcEkzczdHRmZTbFU1eUExT0prcVZpRWl1QkNSTG52b3ZwamJrS3dKaW1kRXY0TTMwa1gwZWZETXc5M1QxRlVLRkZsTS1uYm9IemNWMDhTemxBbUhDMThHNXRUTTYtOFVXc1J5MEFBVmVCY2ZjcHM5dDhNSlMwTlQtcWtfM0I2WWtLU09BY3ZfM1FrWA?oc=5) · The New York Times
- 2023-05-17 [Craig Carpenter Obituary - Millcreek, UT - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxQSmtQUWRlbmhBdGdlV3dVU2ZfY2hLT3dYaVpwaEc5a2Z1OUYteWY1emYzWGlIc3hfR0RkdnZESENFeDhRLWREQlZrWGxEa0VuaEEyREM0d3k5c0dJQ0ZXRHRxUkdabDdWUHZoYnc1YzVoMFRabHVidDhINVNad0Zsd3NPbVhHWlE?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57571 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "57571", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide