First Electronic Bank
Salt Lake City, UT · Cert 35533 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 1 branch
Q2 2026
$502.9MAssets
$204.5MLoans
$285.6MDeposits
$198.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 100% of banks under $1B in assets operating in a single state (rank 3 of 746).
- Widest gap: net charge-offs / loans trails 72% of banks under $1B in assets operating in a single state (rank 536 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
7.45%
Rank 3 of 746
Net Interest Margin
18.61%
Rank 1 of 746
Efficiency Ratio
45.91%
Rank 61 of 746
Equity / Assets
39.44%
Rank 7 of 746
Non-interest income vs. expense
Unfavorable gap of $26.7M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 7.45% | 0.72% | 1.06% | 1.45% | Beats 100% | 3 / 746 | | |
| Return on Equity | 18.88% | 6.74% | 10.51% | 13.63% | Beats 95% | 39 / 746 | | |
| Net Interest Margin | 18.61% | 3.17% | 3.68% | 4.16% | Beats 100% | 1 / 746 | | |
| Efficiency Ratio | 45.91% | 55.74% | 64.58% | 75.47% | Beats 92% | 61 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 83% | 130 / 743 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 28% | 536 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 90.01% | 11.55% | 13.75% | 17.60% | Beats 99% | 7 / 746 | | |
| Total Risk-Based Capital Ratio | 90.58% | 11.71% | 14.33% | 18.43% | Beats 99% | 7 / 746 | | |
| Equity / Assets | 39.44% | 8.90% | 10.51% | 13.06% | Beats 99% | 7 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.58% | 61.31% | 78.27% | 90.78% | 37th pctl | 467 / 746 | | |
| Loans / Assets | 40.66% | 53.60% | 66.97% | 76.08% | 10th pctl | 669 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |