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Quill Bank

Pleasant Grove, UT · Cert 33823 · Capital Community Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.6BAssets
$1.3BLoans
$1.3BDeposits
$220.0MEquity
Loan mix
60%RE $700.3M24%C&I $277.4M17%Consumer $193.4MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.1B16%Noninterest $0.2BQ2 2025Q2 2026

NIM

15.19%Q2 ’2419.08%Q2 ’2518.39%Q2 ’26+33%-4%

Non-interest income vs. expense

5.15%Q2 ’246.53%Q2 ’256.10%Q2 ’26+27%-15%

Market Position · Provo-Orem-Lehi, UT · 2026 SOD (annual) · 4.3% share · #8 of 16 inst. · $1.2B of $28.0B

4.3% Utah
0.0% Salt Lake
1.1% Washington

Executive Summary

  • Earnings: ROA of 5.36%, up 0.99 pts year over year; NIM at 15.63%.
  • Asset quality: problem loans at 2.54% of loans (-0.05 pts YoY), with net charge-offs at 5.72%.
  • Capital: tier 1 leverage ratio of 14.42%, down 0.28 pts from a year ago.
  • Funding: loans stand at 96.71% of deposits as of Q2 2026.

Financial Results

Return on Assets

5.36%+23% YoY

Net Interest Margin

15.63%-4% YoY

Efficiency Ratio

33.61%-4% YoY

Tier 1 Leverage Ratio

14.42%-2% YoY
MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.37%5.82%5.09%4.98%5.36%+0.99
Return on Equity31.42%41.81%35.58%37.59%37.89%+6.47
Net Interest Margin16.31%17.44%16.02%16.02%15.63%-0.68
Efficiency Ratio35.05%32.29%32.05%31.21%33.61%-1.44
Non-Interest Burden4.20%3.71%2.44%3.15%3.58%-0.62
Growth
Asset Growth (YoY)25.98%34.39%31.10%32.06%30.07%+4.09
Loan Growth (YoY)27.70%32.22%30.35%31.26%31.34%+3.65
Deposit Growth (YoY)24.74%34.26%31.41%34.38%30.42%+5.69
Asset Quality
Nonperforming Loans / Loans2.59%2.38%2.01%3.53%2.54%-0.05
Net Charge-Offs / Loans4.74%4.68%6.24%6.64%5.72%+0.98
Allowance / Loans3.73%3.96%4.13%4.16%3.89%+0.16
Allowance Coverage of NPLs1.4x1.7x2.1x1.2x1.5x+0.1x
Capital
Tier 1 Leverage Ratio14.70%14.85%15.02%13.92%14.42%-0.28
Total Risk-Based Capital17.71%18.07%18.58%17.36%17.79%+0.08
Equity / Assets13.90%13.93%14.31%13.25%14.15%+0.24
Liquidity & Funding
Loans / Deposits96.03%93.69%94.79%91.35%96.71%+0.68
Liquid Assets / Assets10.87%12.41%12.72%14.72%11.27%+0.39
CRE / Total Capitaln/a307%288%306%n/an/a