Utah Independent Bank
Salina, UT · Cert 22514 · Peer group: banks under $1B in assets (n=573-620)
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 162 of 573).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets (rank 485 of 573).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.60%
Rank 45 of 620
Net Interest Margin
6.36%
Rank 4 of 620
Efficiency Ratio
42.95%
Rank 30 of 620
Equity / Assets
15.12%
Rank 135 of 620
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.60% | 0.60% | 1.00% | 1.45% | Beats 93% | 45 / 620 | n/a | |
| Return on Equity | 17.19% | 5.30% | 9.30% | 13.29% | Beats 89% | 68 / 620 | n/a | |
| Net Interest Margin | 6.36% | 3.02% | 3.53% | 4.04% | Beats 99% | 4 / 620 | n/a | |
| Efficiency Ratio | 42.95% | 58.35% | 68.08% | 79.37% | Beats 95% | 30 / 620 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.82% | 0.09% | 0.47% | 1.27% | Beats 16% | 485 / 573 | n/a | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 16.31% | 11.27% | 13.87% | 18.78% | Beats 65% | 214 / 620 | n/a | |
| Total Risk-Based Capital Ratio | 16.31% | 11.69% | 14.57% | 19.67% | Beats 62% | 233 / 620 | n/a | |
| Equity / Assets | 15.12% | 9.03% | 10.60% | 13.73% | Beats 78% | 135 / 620 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 84.58% | 65.08% | 79.69% | 92.47% | 58th pctl | 246 / 585 | n/a | |
| Loans / Assets | 70.88% | 51.85% | 67.17% | 77.86% | 57th pctl | 264 / 620 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |