Salt Lake City, UT · Cert 35533
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #34 of 57 inst. · $0.3B 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 | 15.05% | 14.31% | 15.41% | 14.91% | 12.95% | 12.66% | 6.68% | 7.94% | -696 bps | |
| Return on Equity | 52.81% | 50.12% | 51.94% | 49.05% | 41.52% | 38.66% | 15.82% | 19.26% | -2,979 bps | |
| Net Interest Margin | 21.19% | 20.64% | 23.91% | 21.10% | 20.17% | 19.69% | 14.36% | 18.61% | -249 bps | |
| Efficiency Ratio | 29.35% | 32.53% | 24.09% | 25.08% | 27.42% | 29.96% | 49.03% | 45.91% | +2,082 bps | |
| Non-Interest Burden | 2.18% | 3.29% | 2.82% | 2.96% | 3.23% | 3.54% | 5.22% | 6.31% | +334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.72% | 69.49% | 39.88% | 19.34% | 46.72% | 5.55% | -12.32% | -1.76% | -2,110 bps | |
| Loan Growth (YoY) | 130.38% | 105.70% | 65.17% | -1.32% | -3.69% | -41.71% | -43.72% | 26.49% | +2,781 bps | |
| Deposit Growth (YoY) | 57.22% | 75.47% | 31.56% | 7.58% | 46.75% | -13.03% | -36.19% | -14.35% | -2,193 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | +8 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.34% | 0.62% | +62 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 266.0x | 52.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 31.10% | 32.13% | 32.35% | 30.43% | 34.48% | 36.87% | 42.50% | 46.82% | +1,638 bps | |
| Total Risk-Based Capital | 57.32% | 59.95% | 52.33% | 94.32% | 87.68% | 141.36% | 115.54% | 90.58% | -374 bps | |
| Equity / Assets | 33.07% | 28.72% | 30.53% | 31.75% | 33.40% | 39.12% | 45.71% | 39.44% | +769 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.15% | 66.47% | 84.77% | 48.47% | 55.88% | 44.55% | 74.78% | 71.58% | +2,311 bps | |
| Liquid Assets / Assets | 42.10% | 52.08% | 41.72% | 66.33% | 61.96% | 72.24% | 60.38% | 56.33% | -1,000 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |