Holladay, UT · Cert 5105 · B2 Bcorp Inc.
National charter · OCC · 3 branches
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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
56
Profitability
24
Liquidity
0
Efficiency
5
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.
Holladay, UT · Cert 5105 · B2 Bcorp Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #45 of 57 inst. · $0.1B 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 | 0.58% | 0.06% | -0.81% | -0.85% | -0.56% | -0.63% | -1.68% | -1.47% | -62 bps | |
| Return on Equity | 4.72% | 0.52% | -5.95% | -6.03% | -3.83% | -4.27% | -10.15% | -11.15% | -512 bps | |
| Net Interest Margin | 4.31% | 4.58% | 4.36% | 4.82% | 4.99% | 5.10% | 4.17% | 3.80% | -101 bps | |
| Efficiency Ratio | 92.20% | 96.71% | 111.32% | 111.12% | 107.20% | 107.10% | 121.44% | 122.73% | +1,162 bps | |
| Non-Interest Burden | 3.44% | 4.18% | 5.46% | 6.00% | 5.77% | 5.92% | 6.56% | 6.07% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.04% | 14.95% | 10.02% | -16.26% | -19.51% | -13.19% | -25.55% | 59.13% | +7,539 bps | |
| Loan Growth (YoY) | 57.47% | 64.72% | 52.02% | 18.15% | 1.44% | 2.01% | -5.56% | 8.80% | -935 bps | |
| Deposit Growth (YoY) | 13.07% | 15.42% | 11.35% | -17.82% | -20.52% | -15.38% | -28.77% | 71.63% | +8,945 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.20% | 0.75% | 0.76% | 0.16% | 0.60% | 1.32% | 1.65% | 2.07% | +191 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.12% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.70% | 0.94% | 0.89% | 0.91% | 0.93% | 0.91% | 0.94% | 0.92% | +1 bps | |
| Allowance Coverage of NPLs | 0.3x | 1.3x | 1.2x | 5.6x | 1.6x | 0.7x | 0.6x | 0.4x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.28% | 13.07% | 13.11% | 14.29% | 15.27% | 15.97% | 15.60% | 13.66% | -63 bps | |
| Total Risk-Based Capital | 30.24% | 26.76% | 13.11% | 14.29% | 15.27% | 15.97% | 15.60% | 13.66% | -63 bps | |
| Equity / Assets | 12.47% | 13.37% | 13.70% | 15.63% | 16.30% | 15.64% | 17.64% | 9.26% | -637 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.99% | 48.29% | 51.01% | 58.70% | 59.97% | 58.21% | 67.64% | 37.21% | -2,149 bps | |
| Liquid Assets / Assets | 8.43% | 8.76% | 9.90% | 10.42% | 10.84% | 10.19% | 10.45% | 49.14% | +3,872 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 67.54% | 68.32% | 70.76% | n/a | n/a | |
Holladay, UT · Cert 5105 · Peer group: banks under $1B in assets (n=581-629) · B2 Bcorp Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
-1.06%
Rank 599 of 629
Net Interest Margin
3.80%
Rank 231 of 629
Efficiency Ratio
122.73%
Rank 601 of 629
Equity / Assets
9.26%
Rank 450 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.06% | 0.60% | 1.01% | 1.45% | Beats 5% | 599 / 629 | ||
| Return on Equity | -11.47% | 5.38% | 9.30% | 13.28% | Beats 3% | 611 / 629 | ||
| Net Interest Margin | 3.80% | 3.03% | 3.54% | 4.05% | Beats 63% | 231 / 629 | ||
| Efficiency Ratio | 122.73% | 58.35% | 67.79% | 79.08% | Beats 5% | 601 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.07% | 0.09% | 0.46% | 1.20% | Beats 12% | 510 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.66% | 11.24% | 13.84% | 18.77% | Beats 49% | 321 / 629 | ||
| Total Risk-Based Capital Ratio | 13.66% | 11.58% | 14.43% | 19.66% | Beats 44% | 351 / 629 | ||
| Equity / Assets | 9.26% | 9.09% | 10.65% | 13.80% | Beats 28% | 450 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.21% | 67.24% | 80.90% | 93.48% | 5th pctl | 562 / 594 | ||
| Loans / Assets | 33.71% | 53.31% | 67.71% | 78.15% | 12th pctl | 551 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||