First Utah Bank
Salt Lake City, UT · Cert 22738 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Utah Bcorp
State charter, non-member · FDIC · 7 branches
Q2 2026
$840.3MAssets
$634.4MLoans
$688.5MDeposits
$85.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 81% of banks under $1B in assets operating in a single state (rank 141 of 746).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets operating in a single state (rank 736 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.74%
Rank 547 of 746
Net Interest Margin
4.31%
Rank 141 of 746
Efficiency Ratio
61.17%
Rank 300 of 746
Equity / Assets
10.17%
Rank 404 of 746
Non-interest income vs. expense
Unfavorable gap of $19.7M · efficiency ratio beats 60% of banks under $1B 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 | 0.74% | 0.72% | 1.06% | 1.45% | Beats 27% | 547 / 746 | | |
| Return on Equity | 7.33% | 6.74% | 10.51% | 13.63% | Beats 29% | 527 / 746 | | |
| Net Interest Margin | 4.31% | 3.17% | 3.68% | 4.16% | Beats 81% | 141 / 746 | | |
| Efficiency Ratio | 61.17% | 55.74% | 64.58% | 75.47% | Beats 60% | 300 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.39% | 0.09% | 0.42% | 1.07% | Beats 1% | 736 / 743 | | |
| Net Charge-Offs / Loans | 0.71% | 0.00% | 0.01% | 0.05% | Beats 2% | 730 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.22% | 11.55% | 13.75% | 17.60% | Beats 11% | 664 / 746 | | |
| Total Risk-Based Capital Ratio | 10.22% | 11.71% | 14.33% | 18.43% | Beats 10% | 671 / 746 | | |
| Equity / Assets | 10.17% | 8.90% | 10.51% | 13.06% | Beats 46% | 404 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.14% | 61.31% | 78.27% | 90.78% | 78th pctl | 166 / 746 | | |
| Loans / Assets | 75.50% | 53.60% | 66.97% | 76.08% | 73rd pctl | 204 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |