Pleasant Grove, UT · Cert 33823 · Capital Community Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Provo-Orem-Lehi, UT · 2026 SOD (annual) · 4.3% share · #8 of 16 inst. · $1.2B of $28.0B
Return on Assets
Net Interest Margin
Efficiency Ratio
Tier 1 Leverage Ratio
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.38% | 3.28% | 4.21% | 4.19% | 4.43% | 4.39% | 4.98% | 5.09% | +0.90 | |
| Return on Equity | 23.20% | 23.13% | 31.23% | 30.12% | 31.84% | 30.69% | 37.59% | 35.98% | +5.85 | |
| Net Interest Margin | 11.89% | 11.89% | 14.35% | 15.14% | 14.93% | 14.31% | 16.02% | 15.33% | +0.19 | |
| Efficiency Ratio | 37.51% | 39.59% | 38.26% | 36.52% | 34.85% | 34.01% | 31.21% | 32.43% | -4.09 | |
| Non-Interest Burden | 3.62% | 3.74% | 4.39% | 4.24% | 3.79% | 3.23% | 3.15% | 3.27% | -0.97 | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.30% | 25.10% | 25.03% | 25.98% | 34.39% | 31.10% | 32.06% | 30.07% | +4.09 | |
| Loan Growth (YoY) | 15.44% | 16.94% | 20.40% | 27.70% | 32.22% | 30.35% | 31.26% | 31.34% | +3.65 | |
| Deposit Growth (YoY) | 22.40% | 23.85% | 23.28% | 24.74% | 34.26% | 31.41% | 34.38% | 30.42% | +5.69 | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.60% | 2.76% | 3.08% | 2.59% | 2.38% | 2.01% | 3.53% | 2.54% | -0.05 | |
| Net Charge-Offs / Loans | 3.08% | 3.20% | 4.30% | 4.37% | 4.21% | 4.51% | 6.64% | 5.93% | +1.57 | |
| Allowance / Loans | 3.16% | 3.27% | 3.40% | 3.73% | 3.96% | 4.13% | 4.16% | 3.89% | +0.16 | |
| Allowance Coverage of NPLs | 2.0x | 1.2x | 1.1x | 1.4x | 1.7x | 2.1x | 1.2x | 1.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.07% | 14.76% | 13.91% | 14.70% | 14.85% | 15.02% | 13.92% | 14.42% | -0.28 | |
| Total Risk-Based Capital | 18.08% | 18.15% | 17.28% | 17.71% | 18.07% | 18.58% | 17.36% | 17.79% | +0.08 | |
| Equity / Assets | 14.56% | 14.16% | 13.47% | 13.90% | 13.93% | 14.31% | 13.25% | 14.15% | +0.24 | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.13% | 95.57% | 93.52% | 96.03% | 93.69% | 94.79% | 91.35% | 96.71% | +0.68 | |
| Liquid Assets / Assets | 10.17% | 11.17% | 12.47% | 10.87% | 12.41% | 12.72% | 14.72% | 11.27% | +0.39 | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 307% | 288% | 306% | n/a | n/a | |