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 | |