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First Utah Bank

$100M-$1B Specialty: Commercial UT FDIC cert 22738

Salt Lake City, UT

7 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 -3.1% year over year ($688.5M on the books).
  • Delinquency rate 6.49%.
  • Return on assets 0.74%.
  • Efficiency ratio 61.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.79% 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) →

First Utah Bank has 2 strengths but faces 7 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

  • + Net Interest Margin 0.51% above tier average
  • + Efficiency Ratio 3.31% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.7% in tier
  • - Capital Thin: Bottom 6.2% in tier
  • - Deposit Outflow: Bottom 19.6% in tier
  • - Capital Constraint: Bottom 26.2% in tier
  • - Delinquency Rate 5.57% above tier average
  • - Nonperforming Asset Ratio 4.16% above tier average
  • - ROA 0.58% below tier average
Get updates when First Utah 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 ? $840.3M
-2.7% YoY -0.7% QoQ
+$453.7M $386.6M
+1.2% YoY
$31.1B
+21.2% YoY
$6.3B
+7.7% YoY
Top 6.1% in tier
Total Loans ? $625.2M
-4.5% YoY -3.9% QoQ
+$366.8M $258.3M
+1.7% YoY
$18.5B
+10.6% YoY
$3.2B
+9.4% YoY
Top 5.0% in tier
Total Deposits ? $688.5M
-3.1% YoY -1.3% QoQ
+$361.8M $326.7M
+0.7% YoY
$23.9B
+15.2% YoY
$4.9B
+7.3% YoY
Top 7.6% in tier
Return on Assets ? 0.74%
-33.1% YoY -4.2% QoQ
-0.58% 1.32%
+10.8% YoY
2.15%
+9.7% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 4.50%
-0.7% YoY +3.6% QoQ
+0.51% 3.99%
+5.0% YoY
7.81%
+8.6% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 61.17%
-5.2% YoY -9.9% QoQ
-3.31% 64.48%
-3.2% YoY
105.46%
+37.7% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 6.49%
+93.3% YoY +5.6% QoQ
+5.57% 0.92%
+15.7% YoY
1.38%
+2.5% YoY
0.98%
+16.3% YoY
Bottom 1.1% in tier
Loan-to-Deposit Ratio ? 90.79%
-1.4% YoY -2.6% QoQ
+12.84% 77.95%
+1.0% YoY
83.52%
+2.9% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 20.47%
-7.4% YoY +5.0% QoQ
-1.56% 22.03%
-0.6% YoY
17.78%
-2.6% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 4.83%
+89.7% YoY +2.2% QoQ
+4.16% 0.67%
+16.4% YoY
0.92%
+4.0% YoY
0.69%
+15.8% YoY
Bottom 1.1% in tier
Tier 1 Capital Ratio ? 10.22%
-5.7% YoY -13.8% QoQ
-5.69% 15.91%
+1.4% YoY
21.39%
+2.0% YoY
17.09%
+0.8% YoY
Bottom 13.2% in tier
Non-Interest Income / Assets ? 0.37%
-5.7% YoY +362.9% QoQ
-0.19% 0.57%
+7.6% YoY
2.21%
+5.7% YoY
0.66%
+5.2% YoY
82%

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 20.5%
-1.6pp YoY
+1.0pp QoQ
 -1.7pp 22.1% 20.1% 22.2% 47%
Brokered Deposits 16.1%
+5.7pp YoY
+1.3pp QoQ
 +8.2pp 7.9% 28.6% 8.5% 86%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
C&I 17.5%
+0.3pp YoY
-0.1pp QoQ
 +6.0pp 11.6% 25.0% 12.5% 83%
CRE 74.0%
+4.1pp YoY
+0.6pp QoQ
 +34.5pp 39.5% 44.1% 41.4% 95%
1-4 Family 4.1%
+0.1pp YoY
+0.5pp QoQ
 -28.5pp 32.6% 13.8% 31.3% 4%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 45.8% 5.0% 4%

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 10.2%
+1.1pp YoY
+0.2pp QoQ
 -1.9pp 12.2% 15.7% 12.6% 36%
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 110
-4 (-3.5%) YoY
-2 (-1.8%) QoQ
 +51 58 1,029 482 90%
Assets per Employee ($) $7.6M
+0.9% YoY
+1.1% QoQ
 +$121K $7.5M $39.6M $8.8M 63%
Branch Count 7
0 YoY
0 QoQ
 +2 4 13 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.6% 0.4% n/a
Nonaccrual 6.5%
+3.1pp YoY
+0.3pp QoQ
 +5.5pp 0.9% 1.2% 1.0% 99%
Allowance Coverage 0.23x
-39.4% YoY
+7.0% QoQ
 -23.93x 24.15x 7.86x 20.23x 2%
Net Charge-off Rate (YTD) 1.0%
+0.7pp YoY
+0.5pp QoQ
 +0.9pp 0.1% 3.6% 0.2% 97%

Profitability

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
ROE 7.4%
-4.9pp YoY
-0.4pp QoQ
 -4.8pp 12.2% 15.9% 11.6% 22%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 1.7% 2.3% 1.7% 82%
Net Income ($, YTD) $3.1M
-34.8% YoY
— QoQ
 +$574K $2.6M $307.8M $40.4M 71%

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 (4)

Liquidity Strain

risk
#13 of 691 • Bottom 1.7% 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: 90.79%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk
#42 of 661 • Bottom 6.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.22%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Outflow

decline
#106 of 535 • Bottom 19.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#29 of 107 • Bottom 26.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 90.79%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.22%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

133
Total Loans
size
Value: $625.15M
Peer Median: $258.35M
#133 of 2643 Top 5.0% in $100M-$1B
162
Total Assets
size
Value: $840.30M
Peer Median: $386.57M
#162 of 2643 Top 6.1% in $100M-$1B
201
Total Deposits
size
Value: $688.55M
Peer Median: $326.73M
#201 of 2643 Top 7.6% in $100M-$1B
471
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#471 of 2643 Top 17.8% in $100M-$1B
531
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.99%
#531 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (5 metrics)

2616
Nonperforming Asset Ratio
credit_quality
Value: 4.83%
Peer Median: 0.67%
#2616 of 2643 Bottom 1.1% in $100M-$1B
2605
Delinquency Rate
credit_quality
Value: 6.49%
Peer Median: 0.92%
#2605 of 2633 Bottom 1.1% in $100M-$1B
2296
Tier 1 Capital Ratio
capital
Value: 10.22%
Peer Median: 15.91%
#2296 of 2643 Bottom 13.2% in $100M-$1B
2102
Return on Assets
profitability
Value: 0.74%
Peer Median: 1.32%
#2102 of 2643 Bottom 20.5% in $100M-$1B
1996
Loan-to-Deposit Ratio
liquidity
Value: 90.79%
Peer Median: 77.95%
#1996 of 2643 Bottom 24.5% in $100M-$1B
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