Draper, UT · Cert 57408
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 over $10B in assets (n=142 to 144). 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
70
Profitability
88
Liquidity
0
Efficiency
94
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.
Draper, UT · Cert 57408
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 1.4% share · #10 of 57 inst. · $16.5B 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 | 3.21% | 3.31% | 2.92% | 2.77% | 2.72% | 2.69% | 2.93% | 2.55% | -22 bps | |
| Return on Equity | 31.03% | 31.21% | 24.05% | 22.18% | 21.11% | 20.49% | 20.31% | 17.52% | -466 bps | |
| Net Interest Margin | 3.81% | 3.79% | 4.10% | 4.11% | 4.09% | 4.01% | 4.30% | 4.25% | +14 bps | |
| Efficiency Ratio | 21.64% | 22.26% | 24.71% | 25.10% | 25.97% | 26.29% | 23.34% | 25.72% | +63 bps | |
| Non-Interest Burden | -0.48% | -0.36% | 0.12% | 0.19% | 0.34% | 0.40% | 0.21% | 0.49% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.74% | 13.75% | 9.28% | 14.58% | 10.57% | 11.64% | 11.28% | 9.50% | -509 bps | |
| Loan Growth (YoY) | 29.49% | 30.44% | 30.56% | 34.83% | 38.51% | 37.92% | 34.18% | 25.31% | -951 bps | |
| Deposit Growth (YoY) | 7.08% | 6.75% | 3.68% | 6.40% | 8.53% | 7.50% | 8.32% | 9.48% | +308 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.28% | 0.14% | 0.19% | 0.19% | 0.20% | 0.21% | 0.21% | +2 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.23% | 0.40% | 0.38% | 0.34% | 0.29% | 0.21% | 0.22% | -16 bps | |
| Allowance / Loans | 1.42% | 1.17% | 1.00% | 0.89% | 0.89% | 0.81% | 0.93% | 0.92% | +3 bps | |
| Allowance Coverage of NPLs | 4.9x | 4.2x | 7.1x | 4.7x | 4.8x | 4.0x | 4.4x | 4.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.92% | 10.63% | 10.96% | 11.56% | 11.97% | 12.35% | 12.79% | 13.22% | +166 bps | |
| Total Risk-Based Capital | 15.67% | 16.29% | 16.70% | 16.71% | 17.22% | 17.77% | 18.35% | 18.66% | +195 bps | |
| Equity / Assets | 11.85% | 11.58% | 12.72% | 13.19% | 13.87% | 14.19% | 14.64% | 14.85% | +166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.44% | 43.43% | 47.17% | 52.62% | 54.16% | 55.72% | 58.43% | 60.24% | +761 bps | |
| Liquid Assets / Assets | 5.65% | 6.62% | 3.49% | 4.91% | 4.78% | 6.89% | 4.55% | 5.03% | +12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 229% | 225% | 227% | n/a | n/a | |
Draper, UT · Cert 57408 · Peer group: banks over $10B in assets (n=142-144)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
2.51%
Rank 9 of 144
Net Interest Margin
4.25%
Rank 19 of 144
Efficiency Ratio
29.17%
Rank 10 of 144
Equity / Assets
14.85%
Rank 15 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.51% | 1.00% | 1.26% | 1.54% | Beats 94% | 9 / 144 | ||
| Return on Equity | 16.91% | 8.98% | 11.34% | 14.40% | Beats 84% | 23 / 144 | ||
| Net Interest Margin | 4.25% | 2.82% | 3.31% | 3.68% | Beats 87% | 19 / 144 | ||
| Efficiency Ratio | 29.17% | 49.42% | 56.02% | 62.41% | Beats 94% | 10 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.48% | 0.73% | 1.07% | Beats 91% | 14 / 142 | ||
| Net Charge-Offs / Loans | 0.12% | 0.05% | 0.11% | 0.22% | Beats 48% | 75 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.86% | 12.07% | 12.98% | 14.92% | Beats 88% | 17 / 144 | ||
| Total Risk-Based Capital Ratio | 18.66% | 13.39% | 14.14% | 16.25% | Beats 88% | 17 / 144 | ||
| Equity / Assets | 14.85% | 9.69% | 11.39% | 12.96% | Beats 90% | 15 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.24% | 75.72% | 84.92% | 91.56% | 8th pctl | 131 / 143 | ||
| Loans / Assets | 46.43% | 59.83% | 69.07% | 74.80% | 12th pctl | 127 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||