Merrick Bank
South Jordan, UT · Cert 34519 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
$9.1BAssets
$8.7BLoans
$7.4BDeposits
$1.6BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks $1B-$10B in assets (rank 4 of 328).
- Widest gap: net charge-offs / loans trails 99% of banks $1B-$10B in assets (rank 321 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $358.7M · efficiency ratio beats 96% of banks $1B-$10B in assets | 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 |