BlastPoint's Banking Scorecard

Utah Independent Bank

$100M-$1B Specialty: Commercial UT FDIC cert 22514

Salina, UT

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 13 in UT.
Deposits +6.9% year over year ($143.2M on the books).
Delinquency rate 1.84%.
Return on assets 3.43%.
Efficiency ratio 42.95% vs a 64.48% peer average.
Loan-to-deposit ratio 83.56% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 13 in UT

View $100M-$1B leaderboard (UT) →

Utah Independent Bank has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 2.1% in tier
+ Deposit Franchise: Top 20.1% in tier
+ Efficiency Ratio 21.53% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.92% above tier average

Get updates when Utah Independent Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$170.9M +7.8% YoY +4.8% QoQ	-$215.7M	$386.6M +1.2% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	19%
Total Loans ?	$119.7M +19.5% YoY +10.4% QoQ	-$138.7M	$258.3M +1.7% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$143.2M +6.9% YoY +4.9% QoQ	-$183.5M	$326.7M +0.7% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	3.43% +38.4% YoY +0.6% QoQ	+2.11%	1.32% +10.8% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 1.1% in tier
Net Interest Margin ?	6.88% +7.1% YoY -3.1% QoQ	+2.90%	3.99% +5.0% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 0.5% in tier
Efficiency Ratio ?	42.95% -2.4% YoY -3.6% QoQ	-21.53%	64.48% -3.2% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 6.5% in tier
Delinquency Rate ?	1.84% -53.0% YoY +132.3% QoQ	+0.92%	0.92% +15.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Bottom 14.3% in tier
Loan-to-Deposit Ratio ?	83.56% +11.8% YoY +5.2% QoQ	+5.61%	77.95% +1.0% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	34.80% -0.9% YoY -4.8% QoQ	+12.77%	22.03% -0.6% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Top 10.0% in tier
Nonperforming Asset Ratio ?	1.29% -55.4% YoY +144.7% QoQ	+0.62%	0.67% +16.4% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	16.31% +10.1% YoY +2.6% QoQ	+0.40%	15.91% +1.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.16% -24.2% YoY +127.1% QoQ	-0.41%	0.57% +7.6% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	37%

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	34.8% -0.3pp YoY -1.8pp QoQ	+12.7pp	22.1%	20.1%	22.2%	90%
Brokered Deposits	n/a	n/a	7.9%	28.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	15.7% -2.7pp YoY +0.4pp QoQ	+4.1pp	11.6%	25.0%	12.5%	78%
CRE	52.3% +5.0pp YoY +1.2pp QoQ	+12.7pp	39.5%	44.1%	41.4%	74%
1-4 Family	18.3% +0.8pp YoY 0.0pp QoQ	-14.4pp	32.6%	13.8%	31.3%	26%
Consumer	3.8% -0.7pp YoY -0.5pp QoQ	-0.3pp	4.1%	45.8%	5.0%	68%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	25.0%	19.7%	n/a
Leverage Ratio	16.3% +1.5pp YoY +0.4pp QoQ	+4.1pp	12.2%	15.7%	12.6%	91%
Total Capital Ratio	n/a	n/a	19.9%	26.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	24 0 YoY 0 QoQ	-35	58	1,029	482	17%
Assets per Employee ($)	$7.1M +7.8% YoY +4.8% QoQ	-$399K	$7.5M	$39.6M	$8.8M	54%
Branch Count	4 0 YoY 0 QoQ	-1	4	13	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.6pp YoY	-0.3pp	0.3%	0.6%	0.4%	9%
Nonaccrual	1.8% -1.5pp YoY +1.0pp QoQ	+0.9pp	0.9%	1.2%	1.0%	86%
Allowance Coverage	0.66x +30.6% YoY -55.4% QoQ	-23.49x	24.15x	7.86x	20.23x	16%
Net Charge-off Rate (YTD)	-0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	3.6%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	23.0% +5.1pp YoY 0.0pp QoQ	+10.8pp	12.2%	15.9%	11.6%	94%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.5pp	1.7%	2.3%	1.7%	22%
Net Income ($, YTD)	$2.8M +45.4% YoY — QoQ	+$273K	$2.6M	$307.8M	$40.4M	67%

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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 (2)

Profitability Leader

growth

#15 of 661 • Top 2.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.43%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Franchise

growth

#57 of 278 • Top 20.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.80%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 6.88%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 6.88%

Peer Median: 3.99%

#14 of 2643 Top 0.5% in $100M-$1B

Return on Assets

profitability

Value: 3.43%

Peer Median: 1.32%

#30 of 2643 Top 1.1% in $100M-$1B

174

Efficiency Ratio

profitability

Value: 42.95%

Peer Median: 64.48%

#174 of 2643 Top 6.5% in $100M-$1B

266

Non-Interest-Bearing Deposit Share

funding

Value: 34.80%

Peer Median: 22.03%

#266 of 2643 Top 10.0% in $100M-$1B

Top Weaknesses (5 metrics)

2258

Delinquency Rate

credit_quality

Value: 1.84%

Peer Median: 0.92%

#2258 of 2633 Bottom 14.3% in $100M-$1B

2245

Nonperforming Asset Ratio

credit_quality

Value: 1.29%

Peer Median: 0.67%

#2245 of 2643 Bottom 15.1% in $100M-$1B

2136

Total Deposits

size

Value: $143.19M

Peer Median: $326.73M

#2136 of 2643 Bottom 19.2% in $100M-$1B

2135

Total Assets

size

Value: $170.87M

Peer Median: $386.57M

#2135 of 2643 Bottom 19.3% in $100M-$1B

1985

Total Loans

size

Value: $119.66M

Peer Median: $258.35M

#1985 of 2643 Bottom 24.9% in $100M-$1B