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Prime Alliance Bank

Woods Cross, UT · Cert 57920

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

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.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

97

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Prime Alliance Bank

Woods Cross, UT · Cert 57920

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.1BAssets
$884.2MLoans
$966.1MDeposits
$116.5MEquity
Loan mix
6%RE $32.5M94%C&I $545.6M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $942.7M2%Noninterest $23.4MQ2 2025Q2 2026

NIM

7.71%Q2 ’247.78%Q2 ’258.15%Q2 ’26+5%+15%

Non-interest income vs. expense

0.90%Q2 ’240.91%Q2 ’251.01%Q2 ’26+1%+11%

Market Position · Ogden, UT · 2026 SOD (annual) · 10.2% share · #5 of 14 inst. · $1.0B of $9.5B

Executive Summary

  • Earnings: ROA of 2.68%, up 109 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 1.60% of loans (-58 bps YoY), with net charge-offs at 1.33%.
  • Capital: tier 1 leverage ratio of 11.53%, up 163 bps from a year ago.
  • Funding: loans stand at 91.52% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.68%+109 bps YoY

Net Interest Margin (YTD, annualized)

4.87%+62 bps YoY

Efficiency Ratio (YTD, annualized)

20.62%-68 bps YoY

Tier 1 Leverage Ratio

11.53%+163 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.77%1.92%2.83%2.68%+109 bps
Return on Equity17.94%20.08%21.41%28.38%26.17%+823 bps
Net Interest Margin4.25%4.17%4.18%4.91%4.87%+62 bps
Efficiency Ratio21.30%21.07%20.97%22.41%20.62%-68 bps
Non-Interest Burden0.90%0.87%0.87%1.10%1.00%+10 bps
Growth
Asset Growth (YoY)30.45%35.39%27.35%19.48%11.62%-1,882 bps
Loan Growth (YoY)32.46%45.21%27.89%19.09%10.79%-2,168 bps
Deposit Growth (YoY)32.70%37.61%26.61%17.57%9.02%-2,368 bps
Asset Quality
Nonperforming Loans / Loans2.17%2.34%1.97%1.72%1.60%-58 bps
Net Charge-Offs / Loans0.11%0.07%0.69%0.27%1.33%+123 bps
Allowance / Loans3.62%3.64%3.41%3.42%2.89%-73 bps
Allowance Coverage of NPLs1.7x1.6x1.7x2.0x1.8x+0.1x
Capital
Tier 1 Leverage Ratio9.90%9.70%9.92%11.10%11.53%+163 bps
Total Risk-Based Capital11.64%11.70%12.71%13.86%14.00%+236 bps
Equity / Assets8.61%8.79%9.48%10.46%10.73%+212 bps
Liquidity & Funding
Loans / Deposits90.06%89.85%88.08%89.49%91.52%+146 bps
Liquid Assets / Assets0.46%0.40%0.34%0.34%0.33%-13 bps
CRE / Total Capitaln/a55.62%34.82%27.82%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Prime Alliance Bank

Woods Cross, UT · Cert 57920 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)

State charter, non-member · FDIC · 1 branch

Q2 2026

$1.1BAssets
$884.2MLoans
$966.1MDeposits
$116.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 1 of 257).
  • Widest gap: net charge-offs / loans trails 97% of banks $1B-$10B in assets operating in a single state (rank 250 of 258).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.64%

Rank 9 of 258

Net Interest Margin

4.87%

Rank 9 of 258

Efficiency Ratio

20.62%

Rank 1 of 257

Equity / Assets

10.73%

Rank 112 of 258

Non-interest income vs. expense

$0.1M$10.8MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 100% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.64%0.93%1.23%1.54%Beats 97%9 / 258
Return on Equity24.64%9.26%11.84%14.74%Beats 96%10 / 258
Net Interest Margin4.87%3.16%3.49%3.88%Beats 97%9 / 258
Efficiency Ratio20.62%51.71%60.30%69.65%Beats 100%1 / 257
Asset Quality
Nonperforming Loans / Loans1.60%0.19%0.46%0.90%Beats 12%229 / 258
Net Charge-Offs / Loans0.76%0.01%0.02%0.07%Beats 3%250 / 258
Capital
Tier 1 Capital Ratio12.73%11.41%12.98%15.12%Beats 46%140 / 258
Total Risk-Based Capital Ratio14.00%12.10%13.91%16.08%Beats 51%126 / 258
Equity / Assets10.73%9.09%10.24%11.72%Beats 57%112 / 258
Liquidity & Funding
Loans / Deposits91.52%73.24%86.34%95.95%65th pctl91 / 258
Loans / Assets81.41%63.01%72.27%78.40%84th pctl40 / 258
Brokered Deposits / Depositsn/aNot reported for this institution