American Continental Bank

17700 Castleton Street, Suite 100
City Of Industry, CA 91748

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.65% 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

American Continental Bank is an FDIC insured institution located in City Of Industry, CA. It was founded in 2003 and has approximately $0.27 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 57444
Date Established 2003
Assets $0.27 billion
Loans $0.20 billion
Deposits $0.23 billion
Capital $0.03 billion

For a more detailed analysis of American Continental Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
Special: 12 Mo CD
1.65% $25,000 - Learn MoreShow Less
12 Mo CD
1.00% $25,000 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 - Learn MoreShow Less

Loan Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for American Continental Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.156% 3.125% 0.38 $978 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to American Continental Bank
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American Continental Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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American Continental Bank Locations

Financial Details

American Continental Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Continental Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Continental Bank U.S. Bank Average
0% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, American Continental Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $34,902,000 in equity and $3,174,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
American Continental Bank U.S. Bank Average
9.64% 9.72%

American Continental Bank has a Return on Equity of 9.64% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American Continental Bank U.S. Bank Average
13.01% 12.89%

American Continental Bank has a Capitalization of 13.01% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Continental Bank Balance Sheet Analysis

As of September 30, 2019, American Continental Bank had assets of $268,311,000, loans of $196,874,000, and deposits of $232,130,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.03 billion
Net loans and leases $0.20 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.23 billion
Total deposits $0.23 billion
      Interest-bearing deposits $0.21 billion
      Deposits held in domestic offices $0.23 billion
      % insured (estimated) 77.17%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.23 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in American Continental Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in California, American Continental Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.12
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 7.49
Commercial Real Estate 40.42
Commercial and Industrial Loans 6.08
Farm Loans 0.00

Frequently Asked Questions About American Continental Bank

Branches and Savings

Is American Continental Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57444.

Why does American Continental Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are American Continental Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is American Continental Bank a commercial bank?


Where are American Continental Bank locations?

See branch locations nearby.

Is American Continental Bank open on Saturdays?

Is American Continental Bank open on Sundays?

What time does American Continental Bank open?

What time does American Continental Bank close?

Are American Continental Bank ATMs Open 24/7?

Do American Continental Bank ATMs accept cash deposits?

Can American Continental Bank customers use other ATMs?

Do American Continental Bank branches have notaries?

Will American Continental Bank notarize my document?

What address for American Continental Bank should I put for incoming ACH transfers?

Will the American Continental Bank branch print checks?

Do American Continental Bank checks expire?

Does American Continental Bank require US citizenship to open account?

Can American Continental Bank close my account?

Does American Continental Bank Report to credit bureaus?

Does American Continental Bank Use Equifax?

What is American Continental Bank's ACH Routing Number?

What is American Continental Bank's SWIFT code?


Does American Continental Bank offer mortgages?

Compare mortgage rates here.

Does American Continental Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Continental Bank offer personal loans?

Compare personal loan rates here.

Does American Continental Bank offer student loans?

Will American Continental Bank cash a check?

Will American Continental Bank redeem a savings bond?

Does American Continental Bank cash savings bonds?

Will American Continental Bank cash money orders?

Can American Continental Bank issue a money order?

Does American Continental Bank do currency exchange?

Background on The Bank

Who owns American Continental Bank?

How long has American Continental Bank been around?

Can American Continental Bank transfer to other banks?

Does American Continental Bank have quick pay?

Does American Continental Bank accept rolled coins?

Will American Continental Bank accept loose change?

Where is American Continental Bank headquarters?

Customer Reviews for American Continental Bank

  • February 14, 2020 |

    Small bank, few local branches, bad services, very poor online banking service, very high mortgage interest rate.

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