BlastPoint's Banking Scorecard

Utah Independent Bank

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

Salina, UT

4 branches across UT

2664 banks in the $100M-$1B peer group nationally 12 in UT

Utah Independent Bank demonstrates 4 strengths

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

+ Deposit Franchise: Top 15.4% in tier
+ Profitability Leader: Top 45.5% in tier
+ Efficiency Ratio 20.71% below tier average
+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Utah Independent Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$163.0M +2.1% YoY +1.8% QoQ	-$223.1M	$386.1M +0.5% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$108.4M +9.7% YoY -0.8% QoQ	-$147.3M	$255.7M +1.1% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$136.5M +0.5% YoY +1.0% QoQ	-$191.5M	$328.0M +0.1% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	3.41% +0.6% YoY +32.5% QoQ	+2.14%	1.27% +12.9% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 1.2% in tier
Net Interest Margin ?	7.10% +13.0% YoY +6.7% QoQ	+3.17%	3.93% +6.0% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 0.4% in tier
Efficiency Ratio ?	44.57% +7.2% YoY -11.4% QoQ	-20.71%	65.29% -4.5% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 8.4% in tier
Delinquency Rate ?	0.79% -77.0% YoY +55.7% QoQ	-0.09%	0.89% +18.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	79.40% +9.2% YoY -1.7% QoQ	+2.76%	76.64% +0.8% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	36.55% +8.8% YoY +2.3% QoQ	+14.53%	22.02% -1.0% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Top 8.1% in tier
Nonperforming Asset Ratio ?	0.53% -75.3% YoY +51.8% QoQ	-0.11%	0.64% +19.7% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	15.89% +6.2% YoY +8.0% QoQ	+0.06%	15.83% +1.5% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.07% -32.5% YoY -82.3% QoQ	-0.21%	0.28% +9.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	31%

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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)

Deposit Franchise

growth

#43 of 272 • Top 15.4% 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: 36.55%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 7.10%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Profitability Leader

growth

#304 of 666 • Top 45.5% in tier

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

Why this signature

Return on Assets: 3.41%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 7.10%

Peer Median: 3.93%

#11 of 2664 Top 0.4% in $100M-$1B

Return on Assets

profitability

Value: 3.41%

Peer Median: 1.27%

#32 of 2664 Top 1.2% in $100M-$1B

217

Non-Interest-Bearing Deposit Share

funding

Value: 36.55%

Peer Median: 22.02%

#217 of 2664 Top 8.1% in $100M-$1B

226

Efficiency Ratio

profitability

Value: 44.57%

Peer Median: 65.29%

#226 of 2664 Top 8.4% in $100M-$1B

Top Weaknesses (3 metrics)

2204

Total Deposits

size

Value: $136.50M

Peer Median: $327.97M

#2204 of 2664 Bottom 17.3% in $100M-$1B

2192

Total Assets

size

Value: $163.02M

Peer Median: $386.08M

#2192 of 2664 Bottom 17.8% in $100M-$1B

2078

Total Loans

size

Value: $108.38M

Peer Median: $255.72M

#2078 of 2664 Bottom 22.0% in $100M-$1B