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 | |