Sandy, UT · Cert 27471 · American Express Co.
National charter · OCC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 14.6% share · #3 of 57 inst. · $171.6B of $1175.7B
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 | 3.57% | 3.66% | 4.26% | 3.93% | 3.98% | 3.89% | 3.74% | 3.70% | -23 bps | |
| Return on Equity | 39.61% | 40.12% | 44.75% | 42.73% | 44.03% | 43.03% | 42.14% | 41.56% | -118 bps | |
| Net Interest Margin | 7.52% | 7.62% | 7.96% | 7.77% | 7.71% | 7.89% | 8.15% | 8.20% | +43 bps | |
| Efficiency Ratio | 68.58% | 68.49% | 66.82% | 67.77% | 67.67% | 68.58% | 70.61% | 71.78% | +400 bps | |
| Non-Interest Burden | 0.74% | 0.71% | 0.58% | 0.70% | 0.71% | 0.91% | 1.58% | 1.70% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.93% | 7.01% | 7.36% | 10.11% | 9.88% | 9.43% | 6.94% | 1.05% | -906 bps | |
| Loan Growth (YoY) | 9.89% | 10.02% | 8.69% | 7.58% | 8.07% | 7.48% | 7.07% | 7.18% | -40 bps | |
| Deposit Growth (YoY) | 7.50% | 6.40% | 7.51% | 13.28% | 14.77% | 11.86% | 9.53% | 1.84% | -1,144 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.74% | 0.71% | 0.70% | 0.74% | 0.71% | 0.73% | 0.63% | -7 bps | |
| Net Charge-Offs / Loans | 2.46% | 2.34% | 2.64% | 2.50% | 2.41% | 2.35% | 2.44% | 2.39% | -11 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.10% | 9.58% | 9.49% | 8.73% | 8.49% | 8.96% | 8.71% | 8.84% | +11 bps | |
| Total Risk-Based Capital | 13.18% | 13.17% | 13.42% | 13.28% | 13.14% | 13.08% | 13.10% | 12.99% | -29 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.07% | 106.14% | 99.29% | 95.45% | 97.05% | 101.98% | 97.06% | 100.45% | +500 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |