Ogden, UT · Cert 34781 · Tab Bank Holdings Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Ogden, UT · 2026 SOD (annual) · 14.5% share · #3 of 14 inst. · $1.4B of $9.5B
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 | 0.44% | 0.44% | 1.14% | 0.82% | 0.88% | 0.94% | 0.59% | 1.05% | +23 bps | |
| Return on Equity | 4.44% | 4.46% | 11.70% | 8.33% | 8.83% | 9.27% | 5.43% | 9.46% | +113 bps | |
| Net Interest Margin | 6.84% | 6.66% | 6.65% | 6.43% | 6.48% | 6.41% | 6.11% | 6.25% | -18 bps | |
| Efficiency Ratio | 61.51% | 60.68% | 52.59% | 56.96% | 56.64% | 56.99% | 62.81% | 61.08% | +412 bps | |
| Non-Interest Burden | 3.98% | 3.80% | 2.80% | 3.07% | 3.08% | 3.11% | 3.46% | 3.41% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.68% | 8.08% | 8.75% | 4.56% | 1.35% | 0.33% | -3.14% | -3.22% | -778 bps | |
| Loan Growth (YoY) | 14.20% | 7.50% | 10.08% | 5.52% | 1.71% | -1.59% | -6.95% | -4.44% | -996 bps | |
| Deposit Growth (YoY) | 22.77% | 11.36% | 8.73% | 3.63% | 4.94% | 1.90% | 0.77% | 0.38% | -326 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.13% | 2.44% | 3.39% | 2.73% | 3.10% | 2.52% | 2.03% | 1.79% | -94 bps | |
| Net Charge-Offs / Loans | 3.48% | 3.36% | 3.30% | 3.24% | 3.02% | 3.34% | 2.93% | 2.23% | -101 bps | |
| Allowance / Loans | 2.02% | 2.22% | 2.00% | 1.97% | 2.05% | 1.73% | 1.61% | 1.49% | -48 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.6x | 0.7x | 0.7x | 0.7x | 0.8x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.36% | 10.14% | 10.36% | 10.23% | 10.54% | 10.79% | 11.27% | 11.74% | +151 bps | |
| Total Risk-Based Capital | 10.36% | 10.14% | 10.36% | 10.23% | 10.54% | 10.79% | 11.27% | 11.74% | +151 bps | |
| Equity / Assets | 9.71% | 9.72% | 9.80% | 9.94% | 10.37% | 10.84% | 10.99% | 11.31% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.46% | 91.28% | 95.79% | 95.48% | 90.58% | 88.15% | 88.45% | 90.89% | -458 bps | |
| Liquid Assets / Assets | 8.32% | 9.41% | 7.18% | 7.45% | 7.56% | 9.55% | 8.93% | 7.20% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 198.26% | 180.96% | 177.24% | n/a | n/a | |