Utah Independent Bank
Salina, UT · Cert 22514 · Peer group: banks under $1B in assets (n=581-629)
State charter, Fed member · FED · 4 branches
Q2 2026
$170.9MAssets
$121.1MLoans
$143.2MDeposits
$25.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: nonperforming loans / loans trails 85% of banks under $1B in assets (rank 497 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.60%
Rank 47 of 629
Net Interest Margin
6.36%
Rank 4 of 629
Efficiency Ratio
42.95%
Rank 35 of 629
Equity / Assets
15.12%
Rank 141 of 629
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 95% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.60% | 0.60% | 1.01% | 1.45% | Beats 93% | 47 / 629 | |
| Return on Equity | 17.19% | 5.38% | 9.30% | 13.28% | Beats 89% | 68 / 629 | |
| Net Interest Margin | 6.36% | 3.03% | 3.54% | 4.05% | Beats 99% | 4 / 629 | |
| Efficiency Ratio | 42.95% | 58.35% | 67.79% | 79.08% | Beats 95% | 35 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.82% | 0.09% | 0.46% | 1.20% | Beats 15% | 497 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.31% | 11.24% | 13.84% | 18.77% | Beats 66% | 213 / 629 | |
| Total Risk-Based Capital Ratio | 16.31% | 11.58% | 14.43% | 19.66% | Beats 63% | 231 / 629 | |
| Equity / Assets | 15.12% | 9.09% | 10.65% | 13.80% | Beats 78% | 141 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.58% | 67.24% | 80.90% | 93.48% | 56th pctl | 260 / 594 | |
| Loans / Assets | 70.88% | 53.31% | 67.71% | 78.15% | 56th pctl | 276 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |