BlastPoint's Banking Scorecard

Bank of Utah

$1B-$10B Specialty: Commercial UT FDIC cert 17159

Ogden, UT

20 branches across UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
Deposits +5.3% year over year ($3.0B on the books).
Delinquency rate 0.15%.
Return on assets 1.30%.
Efficiency ratio 61.65% vs a 59.73% peer average.
Loan-to-deposit ratio 99.24% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in UT

View $1B-$10B leaderboard (UT) →

Bank of Utah has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 31.4% in tier
- Liquidity Strain: Bottom 42.9% in tier
- ROA 0.09% below tier average
- Net Interest Margin 0.34% below tier average
- Efficiency Ratio 1.92% above tier average

Get updates when Bank of Utah releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$3.8B +6.7% YoY +1.6% QoQ	+$992.5M	$2.8B -0.6% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$2.9B +4.4% YoY +1.8% QoQ	+$969.0M	$2.0B -0.3% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$3.0B +5.3% YoY +3.2% QoQ	+$635.8M	$2.3B -0.5% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	1.30% +5.5% YoY -1.6% QoQ	-0.09%	1.39% +17.0% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	3.53% +8.7% YoY -1.9% QoQ	-0.34%	3.87% +6.2% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	39%
Efficiency Ratio ?	61.65% +5.2% YoY -0.5% QoQ	+1.92%	59.73% -12.6% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	0.15% -58.3% YoY +71.3% QoQ	-0.71%	0.87% +11.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	99.24% -0.9% YoY -1.4% QoQ	+14.21%	85.04% -0.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	27.58% +8.3% YoY -2.3% QoQ	+6.31%	21.27% -1.5% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.12% -59.3% YoY +71.7% QoQ	-0.56%	0.67% +11.7% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	16.36% +3.4% YoY -1.2% QoQ	+1.52%	14.84% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.38% +4.0% YoY +97.7% QoQ	-0.14%	0.53% +2.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	27.6% +2.1pp YoY -0.6pp QoQ	+6.2pp	21.4%	20.1%	22.2%	78%
Brokered Deposits	11.6% -6.7pp YoY +2.2pp QoQ	+2.1pp	9.5%	28.6%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	4.0% -0.8pp YoY -0.7pp QoQ	-10.0pp	14.0%	25.0%	12.5%	14%
CRE	56.4% +1.2pp YoY +1.2pp QoQ	+6.3pp	50.0%	44.1%	41.4%	67%
1-4 Family	9.8% -0.2pp YoY -0.5pp QoQ	-16.7pp	26.4%	13.8%	31.3%	16%
Consumer	0.3% +0.1pp YoY +0.1pp QoQ	-4.4pp	4.7%	45.8%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	16.4% +0.5pp YoY -0.2pp QoQ	+0.8pp	15.6%	25.0%	19.7%	80%
Leverage Ratio	12.7% +0.4pp YoY -0.1pp QoQ	+1.4pp	11.3%	15.7%	12.6%	82%
Total Capital Ratio	17.6% +0.5pp YoY -0.2pp QoQ	+0.9pp	16.7%	26.3%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	426 +5 (+1.2%) YoY +3 (+0.7%) QoQ	+112	313	1,029	482	80%
Assets per Employee ($)	$8.9M +5.5% YoY +0.9% QoQ	-$1.6M	$10.5M	$39.6M	$8.8M	52%
Branch Count	20 0 YoY 0 QoQ	-0	20	13	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.6%	0.4%	n/a
Nonaccrual	0.2% -0.2pp YoY +0.1pp QoQ	-0.7pp	0.8%	1.2%	1.0%	16%
Allowance Coverage	7.92x +132.2% YoY -41.5% QoQ	-10.79x	18.71x	7.86x	20.23x	85%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY -0.2pp QoQ	0.0pp	0.3%	3.6%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	10.6% +0.2pp YoY -0.1pp QoQ	-2.0pp	12.6%	15.9%	11.6%	38%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	2.3%	1.7%	66%
Net Income ($, YTD)	$24.1M +12.7% YoY — QoQ	+$4.8M	$19.2M	$307.8M	$40.4M	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#55 of 172 • Bottom 31.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.36%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 99.24%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#156 of 361 • Bottom 42.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.24%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

153

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#153 of 885 Top 17.2% in $1B-$10B

153

Delinquency Rate

credit_quality

Value: 0.15%

Peer Median: 0.87%

#153 of 882 Top 17.2% in $1B-$10B

157

Tier 1 Capital Ratio

capital

Value: 16.36%

Peer Median: 14.84%

#157 of 885 Top 17.6% in $1B-$10B

163

Total Loans

size

Value: $2.93B

Peer Median: $1.96B

#163 of 885 Top 18.3% in $1B-$10B

189

Total Assets

size

Value: $3.79B

Peer Median: $2.79B

#189 of 885 Top 21.2% in $1B-$10B

194

Non-Interest-Bearing Deposit Share

funding

Value: 27.58%

Peer Median: 21.27%

#194 of 885 Top 21.8% in $1B-$10B

206

Total Deposits

size

Value: $2.95B

Peer Median: $2.32B

#206 of 885 Top 23.2% in $1B-$10B

Top Weaknesses (1 metrics)

743

Loan-to-Deposit Ratio

liquidity

Value: 99.24%

Peer Median: 85.04%

#743 of 885 Bottom 16.2% in $1B-$10B