BlastPoint's Banking Scorecard

First Utah Bank

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

Salt Lake City, UT

7 branches across UT

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

First Utah Bank has 1 strength but faces 8 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 0.42% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.3% in tier
- Liquidity Strain: Bottom 8.9% in tier
- Flatlined Growth: Bottom 12.1% in tier
- Capital Constraint: Bottom 25.0% in tier
- Deposit Outflow: Bottom 31.0% in tier
- Delinquency Rate 5.25% above tier average
- Nonperforming Asset Ratio 4.08% above tier average
- Efficiency Ratio 2.59% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$846.5M -1.3% YoY +0.1% QoQ	+$460.4M	$386.1M +0.5% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	Top 6.1% in tier
Total Loans ?	$650.7M -1.1% YoY -0.5% QoQ	+$395.0M	$255.7M +1.1% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	Top 4.1% in tier
Total Deposits ?	$697.8M -5.0% YoY -5.0% QoQ	+$369.8M	$328.0M +0.1% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Top 6.9% in tier
Return on Assets ?	0.77% -43.7% YoY -31.3% QoQ	-0.50%	1.27% +12.9% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	4.35% -7.0% YoY -6.9% QoQ	+0.42%	3.93% +6.0% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	67.88% +7.2% YoY +8.5% QoQ	+2.59%	65.29% -4.5% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	6.14% +298.8% YoY +32.1% QoQ	+5.25%	0.89% +18.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Bottom 1.3% in tier
Loan-to-Deposit Ratio ?	93.25% +4.1% YoY +4.7% QoQ	+16.62%	76.64% +0.8% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	19.50% +2.0% YoY -3.8% QoQ	-2.52%	22.02% -1.0% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	4.72% +299.6% YoY +31.2% QoQ	+4.08%	0.64% +19.7% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Bottom 1.0% in tier
Tier 1 Capital Ratio ?	11.86% +6.3% YoY +1.1% QoQ	-3.97%	15.83% +1.5% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.08% -65.7% YoY -88.4% QoQ	-0.20%	0.28% +9.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	39%

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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 (5)

Margin Compression

decline

#2 of 305 • Bottom 0.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.77%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Strain

risk

#58 of 643 • Bottom 8.9% 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: 93.25%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Flatlined Growth

risk

#63 of 512 • Bottom 12.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.77%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Constraint

risk

#28 of 108 • Bottom 25.0% 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: 93.25%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.86%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Deposit Outflow

decline

#158 of 506 • Bottom 31.0% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

111

Total Loans

size

Value: $650.73M

Peer Median: $255.72M

#111 of 2664 Top 4.1% in $100M-$1B

163

Total Assets

size

Value: $846.49M

Peer Median: $386.08M

#163 of 2664 Top 6.1% in $100M-$1B

185

Total Deposits

size

Value: $697.80M

Peer Median: $327.97M

#185 of 2664 Top 6.9% in $100M-$1B

657

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#657 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (4 metrics)

2639

Nonperforming Asset Ratio

credit_quality

Value: 4.72%

Peer Median: 0.64%

#2639 of 2664 Bottom 1.0% in $100M-$1B

2621

Delinquency Rate

credit_quality

Value: 6.14%

Peer Median: 0.89%

#2621 of 2654 Bottom 1.3% in $100M-$1B

2197

Loan-to-Deposit Ratio

liquidity

Value: 93.25%

Peer Median: 76.64%

#2197 of 2664 Bottom 17.6% in $100M-$1B

2007

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.27%

#2007 of 2664 Bottom 24.7% in $100M-$1B