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 (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 | 1.30% | 1.25% | 1.11% | 1.17% | 1.16% | 1.09% | 1.04% | 1.14% | -3 bps | |
| Return on Equity | 15.28% | 15.41% | 13.48% | 13.82% | 14.04% | 13.41% | 13.44% | 15.22% | +141 bps | |
| Net Interest Margin | 2.08% | 2.00% | 1.92% | 1.95% | 2.01% | 2.03% | 1.97% | 1.94% | -2 bps | |
| Efficiency Ratio | 20.82% | 20.05% | 21.39% | 23.81% | 22.69% | 23.41% | 28.09% | 24.63% | +83 bps | |
| Non-Interest Burden | 0.35% | 0.32% | 0.34% | 0.39% | 0.39% | 0.45% | 0.50% | 0.40% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | 4.18% | 5.26% | 4.26% | 4.03% | 0.17% | 5.09% | 8.87% | +461 bps | |
| Loan Growth (YoY) | -2.68% | 1.91% | 4.49% | 4.53% | 5.12% | 4.63% | 5.26% | 6.95% | +241 bps | |
| Deposit Growth (YoY) | -1.35% | 9.06% | 8.92% | 11.70% | 11.00% | 5.13% | 10.51% | 11.06% | -64 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.08% | 0.10% | 0.22% | 0.12% | 0.12% | 0.12% | +2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.13% | 0.00% | 0.00% | 0.08% | 0.00% | -0.02% | -2 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.97% | 9.03% | 9.07% | 8.97% | 8.69% | 8.79% | 8.06% | 8.08% | -89 bps | |
| Total Risk-Based Capital | 27.26% | 29.44% | 29.96% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.86% | 85.17% | 87.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |