Woods Cross, UT · Cert 57920
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Ogden, UT · 2026 SOD (annual) · 10.2% share · #5 of 14 inst. · $1.0B of $9.5B
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 | 1.73% | 0.72% | 1.50% | 1.67% | 2.11% | 2.25% | 2.83% | 2.54% | +88 bps | |
| Return on Equity | 17.11% | 7.60% | 16.82% | 19.02% | 24.25% | 24.67% | 28.38% | 24.01% | +499 bps | |
| Net Interest Margin | 4.11% | 4.18% | 4.11% | 4.65% | 4.76% | 4.87% | 4.91% | 4.91% | +27 bps | |
| Efficiency Ratio | 20.35% | 25.90% | 21.26% | 21.33% | 20.68% | 20.75% | 22.41% | 18.87% | -247 bps | |
| Non-Interest Burden | 0.83% | 1.08% | 0.87% | 0.99% | 0.98% | 1.01% | 1.10% | 0.92% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.58% | 13.87% | 22.31% | 30.45% | 35.39% | 27.35% | 19.48% | 11.62% | -1,882 bps | |
| Loan Growth (YoY) | -1.46% | 12.84% | 22.28% | 32.46% | 45.21% | 27.89% | 19.09% | 10.79% | -2,168 bps | |
| Deposit Growth (YoY) | 6.75% | 14.63% | 23.88% | 32.70% | 37.61% | 26.61% | 17.57% | 9.02% | -2,368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.76% | 1.18% | 2.14% | 2.17% | 2.34% | 1.97% | 1.72% | 1.60% | -58 bps | |
| Net Charge-Offs / Loans | 3.57% | 1.43% | -0.03% | 0.25% | 0.03% | 2.54% | 0.27% | 2.41% | +217 bps | |
| Allowance / Loans | 3.49% | 3.42% | 3.63% | 3.62% | 3.64% | 3.41% | 3.42% | 2.89% | -73 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.9x | 1.7x | 1.7x | 1.6x | 1.7x | 2.0x | 1.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.89% | 10.47% | 10.02% | 9.90% | 9.70% | 9.92% | 11.10% | 11.53% | +163 bps | |
| Total Risk-Based Capital | 14.63% | 12.75% | 12.41% | 11.64% | 11.70% | 12.71% | 13.86% | 14.00% | +236 bps | |
| Equity / Assets | 10.17% | 8.90% | 8.95% | 8.61% | 8.79% | 9.48% | 10.46% | 10.73% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.15% | 87.20% | 88.35% | 90.06% | 89.85% | 88.08% | 89.49% | 91.52% | +146 bps | |
| Liquid Assets / Assets | 0.73% | 0.58% | 0.53% | 0.46% | 0.40% | 0.34% | 0.34% | 0.33% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 55.62% | 34.82% | 27.82% | n/a | n/a | |