Square Financial Services, Inc.
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
$2.1BAssets
$1.4BLoans
$559.3MDeposits
$1.4BEquity
Executive Summary
- Strongest standing: return on assets outperforms 100% of banks $1B-$10B in assets (rank 1 of 328).
- Widest gap: net charge-offs / loans trails 100% of banks $1B-$10B in assets (rank 322 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Favorable gap of $463.0M · efficiency ratio beats 99% of banks $1B-$10B in assets | 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 |