South Jordan, UT · Cert 34519
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 (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
2
Profitability
90
Liquidity
0
Efficiency
96
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.
South Jordan, UT · Cert 34519
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.6% share · #16 of 57 inst. · $7.4B 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 | 2.70% | 1.74% | 2.41% | 0.64% | 0.98% | 1.16% | 3.31% | 2.55% | +191 bps | |
| Return on Equity | 13.60% | 8.89% | 12.12% | 3.19% | 4.86% | 5.74% | 16.90% | 13.48% | +1,028 bps | |
| Net Interest Margin | 18.28% | 16.56% | 14.28% | 15.20% | 15.98% | 16.44% | 17.67% | 17.82% | +262 bps | |
| Efficiency Ratio | 30.00% | 29.73% | 29.75% | 31.35% | 31.04% | 30.83% | 31.62% | 32.44% | +108 bps | |
| Non-Interest Burden | 3.31% | 2.97% | 2.55% | 3.08% | 3.25% | 3.34% | 3.79% | 3.91% | +83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 7.56% | 48.83% | 47.53% | 53.89% | 38.32% | 0.30% | 2.00% | -4,553 bps | |
| Loan Growth (YoY) | 10.55% | 19.22% | 23.03% | 59.66% | 62.37% | 49.76% | 44.30% | 1.53% | -5,813 bps | |
| Deposit Growth (YoY) | 5.44% | 7.40% | 47.37% | 46.75% | 55.77% | 35.22% | 2.19% | 5.69% | -4,106 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.56% | 4.42% | 3.96% | 3.38% | 3.62% | 3.93% | 3.93% | 3.52% | +14 bps | |
| Net Charge-Offs / Loans | 13.78% | 12.51% | 12.70% | 9.83% | 9.62% | 9.77% | 12.01% | 11.62% | +179 bps | |
| Allowance / Loans | 16.88% | 16.71% | 16.30% | 14.49% | 14.93% | 15.33% | 15.37% | 15.37% | +88 bps | |
| Allowance Coverage of NPLs | 3.7x | 3.8x | 4.1x | 4.3x | 4.1x | 3.9x | 3.9x | 4.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 22.76% | 20.11% | 24.33% | 19.66% | 19.44% | 19.34% | 17.11% | 16.59% | -307 bps | |
| Total Risk-Based Capital | 25.69% | 23.41% | 32.18% | 21.56% | 21.50% | 21.50% | 19.22% | 18.21% | -335 bps | |
| Equity / Assets | 21.42% | 18.70% | 20.76% | 20.44% | 20.51% | 20.30% | 18.80% | 17.63% | -282 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 119.06% | 111.26% | 85.61% | 121.95% | 124.11% | 123.22% | 120.88% | 117.15% | -480 bps | |
| Liquid Assets / Assets | 10.59% | 13.29% | 34.50% | 6.37% | 6.02% | 6.15% | 5.98% | 6.71% | +34 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
South Jordan, UT · Cert 34519 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
2.54%
Rank 12 of 328
Net Interest Margin
17.82%
Rank 4 of 328
Efficiency Ratio
33.60%
Rank 13 of 328
Equity / Assets
17.63%
Rank 11 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.54% | 0.91% | 1.22% | 1.52% | Beats 96% | 12 / 328 | ||
| Return on Equity | 14.43% | 8.43% | 11.45% | 14.43% | Beats 75% | 82 / 328 | ||
| Net Interest Margin | 17.82% | 3.03% | 3.45% | 3.83% | Beats 99% | 4 / 328 | ||
| Efficiency Ratio | 33.60% | 51.61% | 59.56% | 67.53% | Beats 96% | 13 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.52% | 0.24% | 0.51% | 1.03% | Beats 3% | 312 / 322 | ||
| Net Charge-Offs / Loans | 6.82% | 0.01% | 0.03% | 0.10% | Beats 1% | 321 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.80% | 11.75% | 13.15% | 15.47% | Beats 84% | 54 / 328 | ||
| Total Risk-Based Capital Ratio | 18.21% | 12.63% | 14.15% | 16.46% | Beats 85% | 50 / 328 | ||
| Equity / Assets | 17.63% | 9.15% | 10.33% | 12.01% | Beats 97% | 11 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 117.15% | 76.63% | 87.92% | 95.36% | 97th pctl | 9 / 323 | ||
| Loans / Assets | 95.03% | 65.18% | 74.15% | 79.98% | 99th pctl | 3 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||