Bank of Utah
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
$3.8BAssets
$3.0BLoans
$3.0BDeposits
$465.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of banks $1B-$10B in assets operating in a single state (rank 45 of 258).
- Widest gap: net charge-offs / loans trails 80% of banks $1B-$10B in assets operating in a single state (rank 207 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $64.2M · efficiency ratio beats 44% of banks $1B-$10B in assets operating in a single state | 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 |