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Quill Bank

$1B-$10B Specialty: Commercial UT FDIC cert 33823

Designations: ✓ Community bank

Provo, UT

8 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 +30.4% year over year ($1.3B on the books).
  • Delinquency rate 2.64%.
  • Return on assets 5.29%.
  • Efficiency ratio 32.43% vs a 59.73% peer average.
  • Loan-to-deposit ratio 92.94% 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) →

Quill Bank has 4 strengths but faces 3 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

  • + Profitability Leader: Top 2.2% in tier
  • + Revenue Diversifier: Top 4.0% in tier
  • + Net Interest Margin 12.97% above tier average
  • + Efficiency Ratio 27.29% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 41.9% in tier
  • - Delinquency Rate 1.78% above tier average
  • - Nonperforming Asset Ratio 1.39% above tier average
Get updates when Quill 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 ? $1.6B
+30.1% YoY +3.3% QoQ
-$1.2B $2.8B
-0.6% YoY
$31.1B
+21.2% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $1.2B
+31.1% YoY +8.2% QoQ
-$749.0M $2.0B
-0.3% YoY
$18.5B
+10.6% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $1.3B
+30.4% YoY +1.9% QoQ
-$1.0B $2.3B
-0.5% YoY
$23.9B
+15.2% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 5.29%
+20.6% YoY +3.5% QoQ
+3.90% 1.39%
+17.0% YoY
2.15%
+9.7% YoY
1.30%
+12.1% YoY
Top 0.7% in tier
Net Interest Margin ? 16.84%
+4.7% YoY -0.3% QoQ
+12.97% 3.87%
+6.2% YoY
7.81%
+8.6% YoY
3.95%
+4.9% YoY
Top 0.5% in tier
Efficiency Ratio ? 32.43%
-11.2% YoY +3.9% QoQ
-27.29% 59.73%
-12.6% YoY
105.46%
+37.7% YoY
70.05%
+2.5% YoY
Top 2.7% in tier
Delinquency Rate ? 2.64%
-1.8% YoY -28.2% QoQ
+1.78% 0.87%
+11.7% YoY
1.38%
+2.5% YoY
0.98%
+16.3% YoY
Bottom 6.0% in tier
Loan-to-Deposit Ratio ? 92.94%
+0.5% YoY +6.2% QoQ
+7.91% 85.04%
-0.1% YoY
83.52%
+2.9% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 15.53%
+2.3% YoY +8.9% QoQ
-5.74% 21.27%
-1.5% YoY
17.78%
-2.6% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 2.06%
-1.1% YoY -24.9% QoQ
+1.39% 0.67%
+11.7% YoY
0.92%
+4.0% YoY
0.69%
+15.8% YoY
Bottom 6.0% in tier
Tier 1 Capital Ratio ? 16.51%
+0.5% YoY +2.7% QoQ
+1.67% 14.84%
-0.4% YoY
21.39%
+2.0% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 1.23%
+29.8% YoY +93.6% QoQ
+0.71% 0.53%
+2.5% YoY
2.21%
+5.7% YoY
0.66%
+5.2% YoY
Top 5.0% in tier

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 15.5%
+0.4pp YoY
+1.3pp QoQ
 -5.8pp 21.4% 20.1% 22.2% 29%
Brokered Deposits 10.4%
-2.4pp YoY
-0.2pp QoQ
 +1.0pp 9.5% 28.6% 8.5% 70%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
C&I 22.3%
-2.2pp YoY
-2.5pp QoQ
 +8.3pp 14.0% 25.0% 12.5% 84%
CRE 53.9%
-3.5pp YoY
-0.2pp QoQ
 +3.9pp 50.0% 44.1% 41.4% 62%
1-4 Family 7.9%
+3.4pp YoY
+0.5pp QoQ
 -18.5pp 26.4% 13.8% 31.3% 11%
Consumer 17.5%
0.0pp YoY
+0.2pp QoQ
 +12.7pp 4.7% 45.8% 5.0% 94%

Capital

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
CET1 Ratio 16.5%
+0.1pp YoY
+0.4pp QoQ
 +0.9pp 15.6% 25.0% 19.7% 81%
Leverage Ratio 14.4%
-0.3pp YoY
+0.5pp QoQ
 +3.1pp 11.3% 15.7% 12.6% 91%
Total Capital Ratio 17.8%
+0.1pp YoY
+0.4pp QoQ
 +1.1pp 16.7% 26.3% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Full-Time Employees 249
+8 (+3.3%) YoY
+1 (+0.4%) QoQ
 -65 313 1,029 482 55%
Assets per Employee ($) $6.2M
+25.9% YoY
+2.9% QoQ
 -$4.2M $10.5M $39.6M $8.8M 14%
Branch Count 8
+2 (+33.3%) YoY
+1 (+14.3%) QoQ
 -12 20 13 18 20%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.1pp 0.2% 0.6% 0.4% 55%
Nonaccrual 2.6%
-0.1pp YoY
-1.0pp QoQ
 +1.8pp 0.8% 1.2% 1.0% 95%
Allowance Coverage 1.53x
+6.5% YoY
+30.0% QoQ
 -17.18x 18.71x 7.86x 20.23x 39%
Net Charge-off Rate (YTD) 6.3%
+1.7pp YoY
-0.4pp QoQ
 +6.0pp 0.3% 3.6% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
ROE 38.1%
+6.4pp YoY
+0.9pp QoQ
 +25.5pp 12.6% 15.9% 11.6% 99%
Cost of Funds (YTD) 2.9%
0.0pp YoY
+0.1pp QoQ
 +1.0pp 1.9% 2.3% 1.7% 94%
Net Income ($, YTD) $39.6M
+58.1% YoY
— QoQ
 +$20.3M $19.2M $307.8M $40.4M 88%

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
#6 of 222 • Top 2.2% in tier

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

Why this signature
Return on Assets: 5.29%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#10 of 222 • Top 4.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.23%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 5.29%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#73 of 172 • Bottom 41.9% 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: 16.51%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 92.94%
(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 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

5
Net Interest Margin
profitability
Value: 16.84%
Peer Median: 3.87%
#5 of 885 Top 0.5% in $1B-$10B
7
Return on Assets
profitability
Value: 5.29%
Peer Median: 1.39%
#7 of 885 Top 0.7% in $1B-$10B
25
Efficiency Ratio
profitability
Value: 32.43%
Peer Median: 59.73%
#25 of 885 Top 2.7% in $1B-$10B
45
Non-Interest Income / Assets
revenue_mix
Value: 1.23%
Peer Median: 0.53%
#45 of 885 Top 5.0% in $1B-$10B
150
Tier 1 Capital Ratio
capital
Value: 16.51%
Peer Median: 14.84%
#150 of 885 Top 16.8% in $1B-$10B

Top Weaknesses (2 metrics)

833
Nonperforming Asset Ratio
credit_quality
Value: 2.06%
Peer Median: 0.67%
#833 of 885 Bottom 6.0% in $1B-$10B
830
Delinquency Rate
credit_quality
Value: 2.64%
Peer Median: 0.87%
#830 of 882 Bottom 6.0% in $1B-$10B
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