Salt Lake City, UT · Cert 57056
State charter, non-member · FDIC · 1 branch
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
7
Profitability
95
Liquidity
0
Efficiency
97
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.
Salt Lake City, UT · Cert 57056
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.3% share · #17 of 57 inst. · $3.9B 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 | 4.87% | 4.76% | 4.05% | 4.04% | 3.99% | 4.12% | 3.29% | 3.41% | -63 bps | |
| Return on Equity | 26.10% | 25.62% | 22.29% | 22.36% | 22.21% | 22.98% | 18.48% | 19.32% | -304 bps | |
| Net Interest Margin | 6.58% | 6.35% | 6.41% | 6.21% | 5.98% | 5.85% | 5.97% | 5.69% | -52 bps | |
| Efficiency Ratio | 32.45% | 32.59% | 33.03% | 33.92% | 33.81% | 32.11% | 32.60% | 33.21% | -72 bps | |
| Non-Interest Burden | -0.19% | -0.07% | 0.25% | 0.32% | 0.34% | 0.22% | 0.31% | 0.17% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.27% | 27.70% | 28.57% | 26.19% | 32.91% | 26.74% | 24.00% | 25.14% | -105 bps | |
| Loan Growth (YoY) | 32.07% | 33.73% | 32.59% | 34.74% | 43.30% | 39.03% | 37.25% | 37.65% | +290 bps | |
| Deposit Growth (YoY) | 30.50% | 26.95% | 27.28% | 25.74% | 36.83% | 25.53% | 29.73% | 36.96% | +1,122 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.72% | 2.29% | 2.61% | 2.73% | 2.79% | 2.77% | 3.10% | 3.63% | +90 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.07% | 1.10% | 0.53% | 0.68% | 0.64% | 0.83% | 0.46% | -7 bps | |
| Allowance / Loans | 1.88% | 1.83% | 1.69% | 1.67% | 1.51% | 1.43% | 1.54% | 1.64% | -2 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.8x | 0.6x | 0.6x | 0.5x | 0.5x | 0.5x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.71% | 19.39% | 18.99% | 18.85% | 18.14% | 18.20% | 18.27% | 18.04% | -81 bps | |
| Total Risk-Based Capital | 19.71% | 19.39% | 18.99% | 18.85% | 18.14% | 18.20% | 18.27% | 18.04% | -81 bps | |
| Equity / Assets | 19.10% | 18.25% | 18.12% | 17.91% | 17.65% | 17.75% | 17.86% | 17.40% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.11% | 104.66% | 109.71% | 116.71% | 113.23% | 115.91% | 116.07% | 117.30% | +59 bps | |
| Liquid Assets / Assets | 17.35% | 17.99% | 14.50% | 12.71% | 13.57% | 12.60% | 10.97% | 9.98% | -274 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 212% | 212% | 212% | n/a | n/a | |
Salt Lake City, UT · Cert 57056 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
3.22%
Rank 9 of 328
Net Interest Margin
5.69%
Rank 11 of 328
Efficiency Ratio
33.21%
Rank 12 of 328
Equity / Assets
17.40%
Rank 12 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.22% | 0.91% | 1.22% | 1.52% | Beats 97% | 9 / 328 | ||
| Return on Equity | 18.49% | 8.43% | 11.45% | 14.43% | Beats 92% | 26 / 328 | ||
| Net Interest Margin | 5.69% | 3.03% | 3.45% | 3.83% | Beats 97% | 11 / 328 | ||
| Efficiency Ratio | 33.21% | 51.61% | 59.56% | 67.53% | Beats 97% | 12 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.63% | 0.24% | 0.51% | 1.03% | Beats 2% | 315 / 322 | ||
| Net Charge-Offs / Loans | 0.26% | 0.01% | 0.03% | 0.10% | Beats 11% | 286 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.04% | 11.75% | 13.15% | 15.47% | Beats 86% | 45 / 328 | ||
| Total Risk-Based Capital Ratio | 18.04% | 12.63% | 14.15% | 16.46% | Beats 84% | 53 / 328 | ||
| Equity / Assets | 17.40% | 9.15% | 10.33% | 12.01% | Beats 96% | 12 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 117.30% | 76.63% | 87.92% | 95.36% | 98th pctl | 8 / 323 | ||
| Loans / Assets | 85.78% | 65.18% | 74.15% | 79.98% | 93rd pctl | 22 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||