Salt Lake City, UT · Cert 34404
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
26
Profitability
98
Liquidity
0
Efficiency
38
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Salt Lake City, UT · Cert 34404
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.2% share · #22 of 57 inst. · $2.3B 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% | 3.74% | 4.16% | 4.33% | 4.52% | 4.46% | 4.54% | 4.68% | +35 bps | |
| Return on Equity | 23.31% | 23.68% | 22.66% | 23.51% | 24.79% | 25.57% | 27.71% | 28.37% | +486 bps | |
| Net Interest Margin | 13.42% | 14.07% | 15.68% | 15.53% | 14.25% | 13.98% | 14.68% | 15.20% | -33 bps | |
| Efficiency Ratio | 64.93% | 64.66% | 66.33% | 66.38% | 66.13% | 65.33% | 63.59% | 63.14% | -324 bps | |
| Non-Interest Burden | 7.63% | 8.18% | 9.05% | 8.99% | 8.22% | 7.89% | 7.86% | 8.03% | -97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.91% | -16.08% | -9.20% | -2.32% | 9.94% | 39.21% | 24.55% | 31.43% | +3,376 bps | |
| Loan Growth (YoY) | -14.71% | -8.49% | -1.23% | 5.67% | 20.69% | 17.70% | 25.17% | 34.56% | +2,889 bps | |
| Deposit Growth (YoY) | -17.40% | -20.40% | -13.06% | -5.55% | 7.43% | 44.23% | 24.47% | 33.70% | +3,924 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.89% | 1.95% | 1.39% | 1.28% | 0.72% | 0.40% | 0.57% | 0.51% | -77 bps | |
| Net Charge-Offs / Loans | 0.79% | 0.42% | 1.91% | 1.16% | 0.80% | 0.88% | 0.43% | 0.40% | -76 bps | |
| Allowance / Loans | 1.46% | 1.45% | 1.25% | 1.25% | 1.17% | 0.99% | 1.01% | 1.01% | -24 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.9x | 1.0x | 1.6x | 2.5x | 1.8x | 2.0x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.29% | 17.87% | 18.87% | 18.64% | 17.18% | 17.11% | 16.95% | 17.39% | -125 bps | |
| Total Risk-Based Capital | 18.77% | 18.65% | 19.38% | 20.84% | 19.98% | 17.57% | 19.60% | 19.18% | -167 bps | |
| Equity / Assets | 16.83% | 17.92% | 18.76% | 18.59% | 17.71% | 15.06% | 17.92% | 16.73% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.54% | 110.12% | 107.97% | 106.78% | 109.58% | 89.86% | 108.58% | 107.47% | +69 bps | |
| Liquid Assets / Assets | 17.57% | 6.85% | 10.19% | 10.68% | 9.47% | 20.38% | 10.59% | 10.00% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 1.13% | 1.20% | 1.14% | n/a | n/a | |
Salt Lake City, UT · Cert 34404 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
4.58%
Rank 5 of 258
Net Interest Margin
15.20%
Rank 2 of 258
Efficiency Ratio
63.28%
Rank 161 of 257
Equity / Assets
16.73%
Rank 12 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 4.58% | 0.93% | 1.23% | 1.54% | Beats 98% | 5 / 258 | ||
| Return on Equity | 27.39% | 9.26% | 11.84% | 14.74% | Beats 97% | 8 / 258 | ||
| Net Interest Margin | 15.20% | 3.16% | 3.49% | 3.88% | Beats 99% | 2 / 258 | ||
| Efficiency Ratio | 63.28% | 51.71% | 60.30% | 69.65% | Beats 38% | 161 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.19% | 0.46% | 0.90% | Beats 43% | 148 / 258 | ||
| Net Charge-Offs / Loans | 0.22% | 0.01% | 0.02% | 0.07% | Beats 8% | 238 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.10% | 11.41% | 12.98% | 15.12% | Beats 89% | 29 / 258 | ||
| Total Risk-Based Capital Ratio | 19.18% | 12.10% | 13.91% | 16.08% | Beats 90% | 27 / 258 | ||
| Equity / Assets | 16.73% | 9.09% | 10.24% | 11.72% | Beats 95% | 12 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.47% | 73.24% | 86.34% | 95.95% | 93rd pctl | 19 / 258 | ||
| Loans / Assets | 85.02% | 63.01% | 72.27% | 78.40% | 94th pctl | 15 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||