A Continuous-Time Delta-Sigma Analog-to-Digital Converter (CT.DELTA..SIGMA.ADC) for a radio frequency (RF) receiver employing a 200 kHz IF realizes an optimal signal-to-noise ratio using a programmable resonator that is set to resonate at 200 kHz. The programmable resonator is operably coupled to receive both an analog input signal at a low IF of 200 kHz and an analog feedback signal. From the analog input signal and the analog feedback signal, the programmable resonator produces a resonate signal at the low IF, and provides the resonate signal to a quantizer. The quantizer produces a digital output having a digital value coarsely reflecting an amplitude of the analog input signal. The CT.DELTA..SIGMA.ADC further includes at least one programmable digital-to-analog converter (DAC) operably coupled to receive the digital output and to convert the digital output into the analog feedback signal provided to the programmable resonator.