Salina, UT · Cert 22514
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 2.37% | 1.82% | 2.68% | 2.73% | +149 bps | |
| Return on Equity | 8.78% | 16.18% | 12.35% | 18.14% | 18.02% | +924 bps | |
| Net Interest Margin | 5.94% | 6.19% | 6.44% | 6.59% | 6.33% | +39 bps | |
| Efficiency Ratio | 46.33% | 50.45% | 61.68% | 44.57% | 41.34% | -500 bps | |
| Non-Interest Burden | 2.53% | 2.92% | 3.85% | 2.78% | 2.39% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.11% | 5.70% | 5.34% | 2.11% | 7.84% | -226 bps | |
| Loan Growth (YoY) | 8.77% | 10.26% | 15.19% | 9.52% | 18.56% | +979 bps | |
| Deposit Growth (YoY) | 9.78% | 5.08% | 4.22% | 0.45% | 6.89% | -290 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.84% | 0.68% | 0.50% | 0.78% | 1.82% | -202 bps | |
| Net Charge-Offs / Loans | 0.00% | 3.41% | 0.36% | -0.09% | -0.06% | -6 bps | |
| Allowance / Loans | 1.94% | 1.08% | 1.01% | 1.16% | 1.20% | -74 bps | |
| Allowance Coverage of NPLs | 0.5x | 1.6x | 2.0x | 1.5x | 0.7x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.82% | 15.45% | 14.71% | 15.89% | 16.31% | +149 bps | |
| Total Risk-Based Capital | 14.82% | 15.45% | 14.71% | 15.89% | 16.31% | +149 bps | |
| Equity / Assets | 14.28% | 15.08% | 14.44% | 15.13% | 15.12% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.25% | 78.69% | 81.62% | 80.33% | 84.58% | +833 bps | |
| Liquid Assets / Assets | 0.61% | 0.60% | 0.59% | 0.57% | 0.55% | -6 bps | |
| CRE / Total Capital | n/a | 193.44% | 220% | 219% | n/a | n/a | |