Salt Lake City, UT · Cert 59286
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #28 of 57 inst. · $0.5B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.37% | -4.34% | -3.48% | -0.55% | -1.62% | +475 bps | |
| Return on Equity | -20.30% | -13.25% | -10.12% | -1.58% | -4.59% | +1,571 bps | |
| Net Interest Margin | 0.87% | 2.22% | 2.86% | 4.74% | 4.75% | +389 bps | |
| Efficiency Ratio | 307% | 142.85% | 122.34% | 103.42% | 128.94% | -17,825 bps | |
| Non-Interest Burden | 8.67% | 7.26% | 6.69% | 5.15% | 6.46% | -221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -16.77% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 3.60% | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | -14.56% | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.21% | 0.25% | 0.25% | 0.26% | +3 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.25% | 0.23% | 0.30% | 0.28% | +23 bps | |
| Allowance / Loans | 0.54% | 0.42% | 0.46% | 0.45% | 0.47% | -6 bps | |
| Allowance Coverage of NPLs | 2.4x | 2.0x | 1.8x | 1.8x | 1.8x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 27.97% | 28.19% | 29.22% | 29.28% | 29.76% | +179 bps | |
| Total Risk-Based Capital | 58.47% | 58.54% | 56.58% | 56.28% | 56.04% | -242 bps | |
| Equity / Assets | 31.36% | 32.73% | 34.33% | 35.16% | 36.71% | +534 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.42% | 92.08% | 94.70% | 96.96% | 104.78% | +1,836 bps | |
| Liquid Assets / Assets | 32.78% | 30.39% | 26.31% | 17.73% | 13.35% | -1,943 bps | |
| CRE / Total Capital | n/a | 68.86% | 64.89% | 66.81% | n/a | n/a | |