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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | -1.41% | -0.81% | -0.89% | 0.09% | -0.89% | -1.68% | -1.49% | -60 bps | |
| Return on Equity | 1.80% | -10.91% | -5.95% | -6.07% | 0.57% | -5.58% | -10.15% | -12.18% | -611 bps | |
| Net Interest Margin | 5.11% | 4.96% | 4.36% | 4.79% | 4.69% | 4.64% | 4.17% | 3.78% | -101 bps | |
| Efficiency Ratio | 96.79% | 109.72% | 111.32% | 110.92% | 99.09% | 106.80% | 121.44% | 124.09% | +1,317 bps | |
| Non-Interest Burden | 4.70% | 6.04% | 5.46% | 5.93% | 4.54% | 5.43% | 6.56% | 6.12% | +19 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 | 0.06% | 0.01% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 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 | |