Ogden, UT · Cert 17159 · Bou Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
50
Profitability
43
Liquidity
20
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ogden, UT · Cert 17159 · Bou Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Ogden, UT · 2026 SOD (annual) · 19.9% share · #1 of 14 inst. · $1.9B of $9.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.28% | 1.25% | 1.23% | 1.34% | 1.35% | 1.32% | 1.30% | +7 bps | |
| Return on Equity | 10.72% | 10.71% | 10.42% | 10.31% | 11.26% | 11.17% | 10.70% | 10.55% | +25 bps | |
| Net Interest Margin | 2.93% | 2.92% | 3.04% | 3.05% | 3.00% | 3.13% | 3.48% | 3.35% | +30 bps | |
| Efficiency Ratio | 56.60% | 55.95% | 56.28% | 58.62% | 56.56% | 57.66% | 61.95% | 61.65% | +303 bps | |
| Non-Interest Burden | 1.33% | 1.29% | 1.39% | 1.47% | 1.39% | 1.48% | 1.84% | 1.76% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.36% | 13.90% | 16.78% | 8.05% | -0.85% | 7.78% | 6.05% | 6.74% | -131 bps | |
| Loan Growth (YoY) | 21.64% | 15.83% | 15.49% | 14.29% | 11.35% | 8.74% | 5.97% | 4.33% | -997 bps | |
| Deposit Growth (YoY) | 36.16% | 21.83% | 23.37% | 8.43% | -2.33% | 11.18% | 3.17% | 5.28% | -315 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.00% | 0.36% | 0.00% | 0.28% | 0.09% | 0.15% | -21 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.06% | -0.01% | 0.00% | 0.00% | 0.00% | 0.45% | 0.22% | +23 bps | |
| Allowance / Loans | 1.26% | 1.23% | 1.22% | 1.23% | 1.24% | 1.27% | 1.18% | 1.19% | -4 bps | |
| Allowance Coverage of NPLs | n/a | 106.3x | 559.9x | 3.4x | 715.2x | 4.5x | 13.5x | 7.9x | +4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.27% | 12.15% | 12.51% | 12.31% | 11.77% | 12.25% | 12.85% | 12.74% | +42 bps | |
| Total Risk-Based Capital | 17.87% | 17.45% | 17.40% | 17.07% | 17.36% | 17.66% | 17.81% | 17.61% | +54 bps | |
| Equity / Assets | 10.69% | 12.19% | 11.81% | 11.96% | 11.77% | 12.52% | 12.24% | 12.30% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.27% | 103.00% | 99.12% | 101.35% | 97.21% | 100.74% | 101.81% | 100.43% | -92 bps | |
| Liquid Assets / Assets | 21.08% | 7.40% | 10.82% | 8.90% | 12.08% | 9.20% | 11.67% | 11.31% | +241 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 357% | 351% | 349% | n/a | n/a | |
Ogden, UT · Cert 17159 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bou Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Return on Assets
1.27%
Rank 119 of 258
Net Interest Margin
3.35%
Rank 156 of 258
Efficiency Ratio
61.65%
Rank 145 of 257
Equity / Assets
12.30%
Rank 51 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.93% | 1.23% | 1.54% | Beats 54% | 119 / 258 | ||
| Return on Equity | 10.35% | 9.26% | 11.84% | 14.74% | Beats 36% | 165 / 258 | ||
| Net Interest Margin | 3.35% | 3.16% | 3.49% | 3.88% | Beats 40% | 156 / 258 | ||
| Efficiency Ratio | 61.65% | 51.71% | 60.30% | 69.65% | Beats 44% | 145 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.19% | 0.46% | 0.90% | Beats 79% | 54 / 258 | ||
| Net Charge-Offs / Loans | 0.11% | 0.01% | 0.02% | 0.07% | Beats 20% | 207 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.36% | 11.41% | 12.98% | 15.12% | Beats 83% | 45 / 258 | ||
| Total Risk-Based Capital Ratio | 17.61% | 12.10% | 13.91% | 16.08% | Beats 83% | 43 / 258 | ||
| Equity / Assets | 12.30% | 9.09% | 10.24% | 11.72% | Beats 80% | 51 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.43% | 73.24% | 86.34% | 95.95% | 84th pctl | 41 / 258 | ||
| Loans / Assets | 78.38% | 63.01% | 72.27% | 78.40% | 74th pctl | 66 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||