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Overview / Commentary
17700 Castleton Street, Suite 100
City Of Industry, CA 91748

American Continental Bank is headquartered in City Of Industry and is the 156th largest bank in the state of California. It is also the 3,340th largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 29 employees at 3 locations. American Continental Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Continental Bank had $761,000 in non-current loans and owned real-estate with $26.38 million in equity and loan loss allowances on hand to cover it. This gives American Continental Bank a Texas Ratio of 2.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American Continental Bank decreased dramatically from 13.81% as of March 31, 2013 to 2.88% as of March 31, 2014, resulting in a positive change of 79.11%.This indicates that the balance sheet and financial strength for American Continental Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, American Continental Bank has increased its total deposits by $7.36 million, resulting in 5.29% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Continental Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Continental Bank has $174.86 million in assets with $26.38 million in equity, resulting in a capitalization level of 15.09%, which is excellent.

Institution Statistics

FDIC Certificate #57444
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$174.86 million
Loans$123.74 million
Deposits$146.52 million
Equity Capital$23.88 million
Loan Loss Allowance$2.50 million
Unbacked Noncurrent Loans$761,000
Real Estate Owned$0
Historic Data - March 2013
Assets$160.12 million
Equity Capital$20.50 million
Loan Loss Allowance$2.26 million
Unbacked Noncurrent Loans$761,000
Real Estate Owned$2.12 million
Profit Margin - Quarterly
Net Interest Margin3.36%
Return on Assets0.85%
Return on Equity6.23%
Interest Income$1.69 million

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American Continental Bank Locations
San Gabriel Branch1008 E. Las Tunas Drive, Suite ASan Gabriel, CA 91776
American Continental Bank17700 Castleton Street, Suite 100City Of Industry, CA 91748
Chino Hills Branch2983 Chino Avenue, Suite A6Chino Hills, CA 91709