Quill Bank
Pleasant Grove, UT · Cert 33823 · Peer group: banks $1B-$10B in assets operating in a single state (n=302-303) · Capital Community Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$1.6BAssets
$1.3BLoans
$1.3BDeposits
$220.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 3 of 303).
- Widest gap: net charge-offs / loans trails 98% of banks $1B-$10B in assets operating in a single state (rank 299 of 303).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
5.09%
Rank 6 of 303
Net Interest Margin
15.33%
Rank 3 of 303
Efficiency Ratio
32.43%
Rank 8 of 302
Equity / Assets
14.15%
Rank 26 of 303
Non-interest income vs. expense
Unfavorable gap of $49.7M · efficiency ratio beats 98% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 5.09% | 0.95% | 1.24% | 1.58% | Beats 98% | 6 / 303 | |
| Return on Equity | 35.98% | 9.44% | 12.05% | 14.74% | Beats 98% | 7 / 303 | |
| Net Interest Margin | 15.33% | 3.19% | 3.51% | 3.89% | Beats 99% | 3 / 303 | |
| Efficiency Ratio | 32.43% | 51.36% | 59.69% | 68.70% | Beats 98% | 8 / 302 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.54% | 0.18% | 0.46% | 0.93% | Beats 7% | 284 / 303 | |
| Net Charge-Offs / Loans | 3.25% | 0.01% | 0.02% | 0.07% | Beats 2% | 299 / 303 | |
| Capital |
| Tier 1 Capital Ratio | 16.51% | 11.41% | 12.98% | 15.16% | Beats 83% | 50 / 303 | |
| Total Risk-Based Capital Ratio | 17.79% | 12.09% | 13.91% | 16.16% | Beats 84% | 48 / 303 | |
| Equity / Assets | 14.15% | 9.09% | 10.18% | 11.67% | Beats 91% | 26 / 303 | |
| Liquidity & Funding |
| Loans / Deposits | 96.71% | 73.81% | 86.34% | 95.67% | 78th pctl | 66 / 303 | |
| Loans / Assets | 81.23% | 63.01% | 73.12% | 79.37% | 82nd pctl | 55 / 303 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |