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Merrick Bank

$1B-$10B Specialty: Credit Card UT FDIC cert 34519

South Jordan, UT

884 banks in the $1B-$10B peer group nationally 16 in UT
View $1B-$10B leaderboard (UT) →

Merrick Bank has 4 strengths but faces 4 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 1.4% in tier
  • + Revenue Diversifier: Top 4.1% in tier
  • + Net Interest Margin 15.79% above tier average
  • + Efficiency Ratio 29.44% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 20.1% in tier
  • - Delinquency Rate 3.75% above tier average
  • - Non-Interest-Bearing Deposit Share 17.26% below tier average
  • - Nonperforming Asset Ratio 3.11% above tier average
Get updates when Merrick 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 ? $8.9B
+0.3% YoY -3.4% QoQ
+$6.1B $2.8B
-0.1% YoY
$31.5B
+16.1% YoY
$6.2B
+9.1% YoY
Top 2.5% in tier
Total Loans ? $7.3B
+45.9% YoY -3.5% QoQ
+$5.3B $2.0B
+0.6% YoY
$18.8B
+6.7% YoY
$3.2B
+10.8% YoY
Top 0.6% in tier
Total Deposits ? $7.1B
+2.2% YoY -1.8% QoQ
+$4.8B $2.3B
-0.3% YoY
$24.2B
+10.6% YoY
$4.8B
+8.2% YoY
Top 3.2% in tier
Return on Assets ? 3.31%
+37.3% YoY +184.8% QoQ
+1.94% 1.37%
+19.6% YoY
2.19%
+3.7% YoY
1.23%
+13.4% YoY
Top 1.9% in tier
Net Interest Margin ? 19.61%
+26.9% YoY +0.4% QoQ
+15.79% 3.82%
+6.9% YoY
7.79%
+9.7% YoY
3.89%
+5.7% YoY
Top 0.3% in tier
Efficiency Ratio ? 31.62%
+6.3% YoY +2.6% QoQ
-29.44% 61.06%
-4.6% YoY
105.45%
+9.4% YoY
66.95%
-4.1% YoY
Top 2.6% in tier
Delinquency Rate ? 4.64%
-2.0% YoY -0.1% QoQ
+3.75% 0.89%
+14.1% YoY
1.46%
+7.1% YoY
0.95%
+18.8% YoY
Bottom 1.2% in tier
Loan-to-Deposit Ratio ? 102.30%
+42.8% YoY -1.7% QoQ
+18.09% 84.20%
+0.3% YoY
84.36%
+3.4% YoY
76.70%
+0.9% YoY
Bottom 9.7% in tier
Non-Interest-Bearing Deposit Share ? 4.03%
-19.4% YoY -6.8% QoQ
-17.26% 21.29%
-2.5% YoY
17.87%
+4.4% YoY
22.01%
-1.2% YoY
Bottom 3.3% in tier
Nonperforming Asset Ratio ? 3.78%
+42.6% YoY -0.1% QoQ
+3.11% 0.67%
+15.6% YoY
1.01%
+17.9% YoY
0.67%
+19.3% YoY
Bottom 1.0% in tier
Tier 1 Capital Ratio ? 17.81%
-42.1% YoY -11.4% QoQ
+2.65% 15.16%
+2.0% YoY
22.97%
+16.9% YoY
17.06%
+0.8% YoY
Top 12.3% in tier
Non-Interest Income / Assets ? 0.75%
+39.5% YoY -72.8% QoQ
+0.49% 0.26%
+1.6% YoY
1.04%
+5.8% YoY
0.32%
+4.1% YoY
Top 4.0% in tier

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
#4 of 221 • Top 1.4% in tier

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

Why this signature
Return on Assets: 3.31%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ

Revenue Diversifier

growth
#10 of 221 • Top 4.1% 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: 0.75%
(Tier: 0.26%, National: 0.32%)
better than tier avg
Return on Assets: 3.31%
(Tier: 1.37%, National: 1.23%)
better than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#36 of 174 • Bottom 20.1% 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: 17.81%
(Tier: 15.16%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 102.30%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
174 of 174 Mid-Market banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (8 metrics)

4
Net Interest Margin
profitability
Value: 19.61%
Peer Median: 3.82%
#4 of 884 Top 0.3% in $1B-$10B
6
Total Loans
size
Value: $7.29B
Peer Median: $1.96B
#6 of 884 Top 0.6% in $1B-$10B
18
Return on Assets
profitability
Value: 3.31%
Peer Median: 1.37%
#18 of 884 Top 1.9% in $1B-$10B
23
Total Assets
size
Value: $8.93B
Peer Median: $2.82B
#23 of 884 Top 2.5% in $1B-$10B
24
Efficiency Ratio
profitability
Value: 31.62%
Peer Median: 61.06%
#24 of 884 Top 2.6% in $1B-$10B
29
Total Deposits
size
Value: $7.12B
Peer Median: $2.34B
#29 of 884 Top 3.2% in $1B-$10B
36
Non-Interest Income / Assets
revenue_mix
Value: 0.75%
Peer Median: 0.26%
#36 of 884 Top 4.0% in $1B-$10B
110
Tier 1 Capital Ratio
capital
Value: 17.81%
Peer Median: 15.16%
#110 of 884 Top 12.3% in $1B-$10B

Top Weaknesses (4 metrics)

876
Nonperforming Asset Ratio
credit_quality
Value: 3.78%
Peer Median: 0.67%
#876 of 884 Bottom 1.0% in $1B-$10B
870
Delinquency Rate
credit_quality
Value: 4.64%
Peer Median: 0.89%
#870 of 880 Bottom 1.2% in $1B-$10B
856
Non-Interest-Bearing Deposit Share
funding
Value: 4.03%
Peer Median: 21.29%
#856 of 884 Bottom 3.3% in $1B-$10B
799
Loan-to-Deposit Ratio
liquidity
Value: 102.30%
Peer Median: 84.20%
#799 of 884 Bottom 9.7% in $1B-$10B
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