Salt Lake City, UT · Cert 57565 · UBS Group Ag
National charter · OCC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 9.3% share · #5 of 57 inst. · $109.3B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 1.15% | 1.13% | 1.04% | 1.09% | -5 bps | |
| Return on Equity | 13.72% | 13.86% | 13.69% | 13.44% | 14.19% | +46 bps | |
| Net Interest Margin | 1.96% | 1.97% | 1.96% | 1.97% | 1.92% | -4 bps | |
| Efficiency Ratio | 22.60% | 22.63% | 22.83% | 28.09% | 26.34% | +374 bps | |
| Non-Interest Burden | 0.37% | 0.37% | 0.39% | 0.50% | 0.44% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.26% | 4.03% | 0.17% | 5.09% | 8.87% | +461 bps | |
| Loan Growth (YoY) | 4.53% | 5.12% | 4.63% | 5.26% | 6.95% | +241 bps | |
| Deposit Growth (YoY) | 11.70% | 11.00% | 5.13% | 10.51% | 11.06% | -64 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.22% | 0.12% | 0.12% | 0.12% | +2 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.04% | 0.05% | 0.00% | -0.01% | -7 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.97% | 8.69% | 8.79% | 8.06% | 8.08% | -89 bps | |
| Total Risk-Based Capital | 29.22% | 27.99% | 29.29% | 26.79% | 27.05% | -217 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.39% | 87.94% | 84.76% | 83.20% | 85.11% | -327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |