# CONTINENTAL BANK
EAST NORRITON, PA · FDIC certificate 58061 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $676.5M | |
| Deposits | $482.1M | |
| Loans and leases | $441.1M | |
| Total equity | $63.9M | |
| Loans / deposits | 90.35% (p70 of band) | 80.75% |
| Liquid assets / assets | 29.54% (p58 of band) | |
| Uninsured deposits / deposits | 33.93% (p86 of band) | 19.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 18.92% (p90 of band) | |
| FHLB advances / assets | 16.86% | |
| Tier 1 leverage | 9.62% (p41 of band) | 10.04% |
| Unrealized securities loss / equity | 0.36% (p37 of band) | 1.00% |
| AOCI / equity | 4.86% (p82 of band) | |
| ROA (annualized) | 0.48% (p18 of band) | 0.89% |
| Net interest margin | 3.24% (p25 of band) | 3.63% |
| Efficiency ratio | 74.36% (p66 of band) | |
| Noncurrent loans | 0.64% (p38 of band) | 0.89% |
| Net charge-offs (annualized) | 0.08% (p54 of band) | |
| Reserve coverage of noncurrent | 196.29% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 28.36% (p43 of band) | |
| Auto loans | $485,000 (0.11% of loans; DQ 2.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | wholesale funding >15% |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | wholesale funding >15% |
| 2012-03 | 4 | wholesale funding >15%, expense ratio p90 |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling, wholesale funding >15%, expense ratio p90 |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | wholesale funding >15%, capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |

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

- 2014-05-04 [Bryn Mawr Bank Corp. buys Plymouth Meeting-based Continental Bank for $109M - Mainline Media News](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQdTMtX09vZTlEcEJmSkhfSF9PTUVEcUZwY0FOTHpIaUhyZ2tRV3MtcjBxcERKNWRJTm9zR3FGSjZPUDYxMWl3THM5LWpkQkMyYmNiZHNJbjJaalo2TlZVOV9tTWtqZXZjWlE1bEoteHhiRjlicGRab0hQQ190SlZqRWV4RWV6emNLT0NMMFVoOWtGaUtqSzFoNk9oSm1ZSnA2dFRqVGYxSEl5b2VzUHJFU0IxZHM3TUw0cmRJ?oc=5) · Mainline Media News
- 2014-05-05 [Bryn Mawr Bank Corp. will buy Plymouth Meeting-based Continental Bank for $109 million - timesherald.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQeURuNWdjMGRqOUg0M3dFN3Q3RzFhQ1ljSk1kLWx6T2FaN2k1YjVIVVh5bE5DZ1lUZUdlUGJSUWJJVGF2b2VyeVRKelVuekhEal9NczRwZUpEYmh1OTNielpFb2FxSGZhMnU2TW9TeXVJa0gwV1hSSmF4TXktZFRsUnJXeUN4TUdxN28wUjhadDF6ZnJHbmNLV1ZvWGdLODFoNDloWUpBdjZ0Vm5lSUF4bzVjQ1RNMU45ajJROEp6X184Zw?oc=5) · timesherald.com
- 2015-08-31 [Executive Suite: Banker was always sure about what he wanted to do - Naples Daily News](https://news.google.com/rss/articles/CBMizwFBVV95cUxQYTd3bnZrazdOZFhfdUx4U2hjbzQzQ1hMRjlQbUJYRHJoeDN0ZVpuQjJlU29YZS1fUGxZamZ3dWQxNkJNUVBLNU1od2FMYmRZNFM1MHpxYlotYmVMNkhxNC1Od2pxWUR0bG4yZk8yREZhdHB6NmdVWC1oNWNZdnFZVmxoMDJRcEs3cW5aNFNNVk0zYUR0aGg0dnZTVGxCeWpvZVNGeFVlQmRRTlRMaFRsaktwZndjYWlMdmJGQXhuWkZzZ09rLWZMc050QjhOQ2M?oc=5) · Naples Daily News
- 2014-05-06 [Why Continental Bank sold to Bryn Mawr for $109M - The Business Journals](https://news.google.com/rss/articles/CBMivgFBVV95cUxQUUxJUER6R1pIQTBnMUJxRWZiSW96WTlNZDVKYzRXZ25kdHEzcld2TlpuaDRCODRpY29tbERiN3UtN05Gd2VyVUdjRExDZDZkZmpkbzdfSVdTVUkzN01DYlJhaWtVODdMZDQ0MnNBQ3pUT0xEZU0wTWJlWDBmbHdZbGRheTQ3TUVXZjFlcEdUalVvc05rSURrUnAzSnd5UTFQN25pOWpSYVZQVGxfaEtTX0dkLURNdFMtTFlDNHlB?oc=5) · The Business Journals
- 2021-08-15 [Philip A. Waldron Obituary - Joseph A. Fluehr III Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9fSk1IX1JsUGZVQUYtOVBvanBicks4NnVBNWJIMEwyZGxNTnltMGY2Vm81YkE3ejRyMEVLYkVucVNpNXJ6SlAyLUlrZjg0MGM5TUJXS0pBOHJlMHZ1RVJuYUVRRVU2LVFwU3pTSWtB?oc=5) · Joseph A. Fluehr III Funeral Home
- 2023-12-19 [Obituary for Donald Parker Famous - loganfuneralhomes.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBmQ2tCajg5T0VKUmFLWnlKcFhlRF9fOVBXWkRTa295Sng1QmJTV0FIaUhGUnNORTJZV3Z0UWUyeTE5b3M3RW9TeFdpWDBjU1RuQ3o5YkVOR0xVNTUtOUthcGVMeWZVeXM?oc=5) · loganfuneralhomes.com
- 2021-03-18 [Emma C. Chappell, founder of United Bank of Philadelphia, dies at 80 - Inquirer.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNdVJySjZWcDI1dkRZQUx3N2I1ZkxDSFEyZGdibGtqUFIwVnpabnN5NWJuMFp6bHN6OVBrLTVHQ3Q4cXdrV0JZS1NKNEtESzBGQjE5eDBDdFdkdnBfNS10UTlhU25wa2FPMnpDTmx5YkxvUXJybUl0U0djVTl5UC12ZkRqZjFUOVZJREczQmVEem5aMXZBeTN2c2U0WndFWGZzSkd3aEZzdGVBMWt2WEtfZw?oc=5) · Inquirer.com
- 2018-08-09 [Obituary information for John M. Hingley - urbanfuneralhome.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5sb1BNZjdibFRLOVRrR3ZCU0JGWHVlUE0yRVc5TFM0bGplWE1kZnFqSG1EMG0td1d0cGM4Ykt3S3RaaVhFY2NxMmp2ckZieGx3dkIzRUNHaXY4a2U3dzFGYlV3T2dpVTNNaDhnZy1RejVBcXlqMW5tVUh6ejM?oc=5) · urbanfuneralhome.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58061 (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/13.json (key "58061", 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