Salt Lake City, UT · Cert 59177
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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
20
Profitability
99
Liquidity
0
Efficiency
99
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.
Salt Lake City, UT · Cert 59177
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #27 of 57 inst. · $0.6B 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 | 21.88% | 20.76% | 21.50% | 23.76% | 29.09% | 31.51% | 38.77% | 37.85% | +1,409 bps | |
| Return on Equity | 35.65% | 33.55% | 33.82% | 37.64% | 46.25% | 51.08% | 63.00% | 59.97% | +2,233 bps | |
| Net Interest Margin | 13.58% | 13.23% | 15.54% | 15.94% | 18.35% | 18.93% | 34.83% | 34.70% | +1,876 bps | |
| Efficiency Ratio | 35.31% | 35.53% | 33.67% | 30.67% | 26.91% | 22.58% | 14.59% | 15.44% | -1,523 bps | |
| Non-Interest Burden | -17.22% | -15.12% | -16.48% | -17.42% | -17.73% | -16.84% | -24.68% | -22.29% | -487 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.85% | 37.39% | 37.84% | 41.69% | 53.54% | 81.96% | 77.47% | 77.91% | +3,622 bps | |
| Loan Growth (YoY) | 20.79% | 46.67% | 56.58% | 106.14% | 141.95% | 122.08% | 134.98% | 124.06% | +1,792 bps | |
| Deposit Growth (YoY) | 26.45% | 39.20% | 44.01% | 44.96% | 44.35% | 66.03% | 50.11% | 50.77% | +581 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.89% | 1.37% | 1.94% | 1.23% | 1.20% | 1.16% | 0.97% | 0.67% | -56 bps | |
| Net Charge-Offs / Loans | 7.13% | 5.38% | 3.67% | 4.05% | 3.09% | 3.37% | 12.83% | 12.31% | +826 bps | |
| Allowance / Loans | 5.49% | 5.26% | 5.47% | 4.68% | 4.93% | 6.80% | 7.30% | 7.61% | +293 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.9x | 2.8x | 3.8x | 4.1x | 5.8x | 7.6x | 11.4x | +7.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 66.20% | 64.75% | 67.20% | 65.84% | 67.03% | 60.58% | 61.54% | 65.19% | -65 bps | |
| Total Risk-Based Capital | 155.64% | 125.80% | 122.51% | 108.74% | 100.57% | 96.42% | 101.16% | 97.31% | -1,142 bps | |
| Equity / Assets | 62.12% | 63.55% | 63.63% | 62.35% | 62.39% | 58.51% | 64.39% | 65.80% | +345 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 112.89% | 147.51% | 146.70% | 167.53% | 189.21% | 197.31% | 230% | 249% | +8,144 bps | |
| Liquid Assets / Assets | 60.42% | 49.97% | 48.23% | 41.55% | 36.61% | 32.24% | 34.52% | 29.90% | -1,164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
Salt Lake City, UT · Cert 59177 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
34.07%
Rank 1 of 328
Net Interest Margin
34.70%
Rank 2 of 328
Efficiency Ratio
15.44%
Rank 4 of 328
Equity / Assets
65.80%
Rank 5 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 34.07% | 0.91% | 1.22% | 1.52% | Beats 100% | 1 / 328 | ||
| Return on Equity | 51.78% | 8.43% | 11.45% | 14.43% | Beats 99% | 2 / 328 | ||
| Net Interest Margin | 34.70% | 3.03% | 3.45% | 3.83% | Beats 99% | 2 / 328 | ||
| Efficiency Ratio | 15.44% | 51.61% | 59.56% | 67.53% | Beats 99% | 4 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.24% | 0.51% | 1.03% | Beats 39% | 197 / 322 | ||
| Net Charge-Offs / Loans | 6.95% | 0.01% | 0.03% | 0.10% | Beats 0% | 322 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 95.99% | 11.75% | 13.15% | 15.47% | Beats 98% | 5 / 328 | ||
| Total Risk-Based Capital Ratio | 97.31% | 12.63% | 14.15% | 16.46% | Beats 98% | 5 / 328 | ||
| Equity / Assets | 65.80% | 9.15% | 10.33% | 12.01% | Beats 98% | 5 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 249% | 76.63% | 87.92% | 95.36% | 99th pctl | 2 / 323 | ||
| Loans / Assets | 67.70% | 65.18% | 74.15% | 79.98% | 30th pctl | 228 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||