BlastPoint's Banking Scorecard

Transportation Alliance Bank, Inc. d/b/a TAB Bank

$1B-$10B Specialty: Commercial UT FDIC cert 34781

Designations: ✓ Community bank

Ogden, UT

884 banks in the $1B-$10B peer group nationally 16 in UT

Transportation Alliance Bank, Inc. d/b/a TAB Bank has 1 strength but faces 5 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 2.69% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 6.8% in tier
- Cost Spiral: Bottom 67.7% in tier
- Delinquency Rate 1.18% above tier average
- Non-Interest-Bearing Deposit Share 20.88% below tier average
- ROA 0.77% below 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 ?	$1.6B -3.1% YoY -0.6% QoQ	-$1.2B	$2.8B -0.1% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$1.2B -6.6% YoY -0.2% QoQ	-$759.6M	$2.0B +0.6% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	43%
Total Deposits ?	$1.4B +0.8% YoY -0.6% QoQ	-$958.4M	$2.3B -0.3% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	0.59% -48.1% YoY -36.9% QoQ	-0.77%	1.37% +19.6% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Bottom 12.0% in tier
Net Interest Margin ?	6.51% -8.2% YoY -6.3% QoQ	+2.69%	3.82% +6.9% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 1.9% in tier
Efficiency Ratio ?	62.81% +19.4% YoY +10.2% QoQ	+1.75%	61.06% -4.6% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	2.06% -40.2% YoY -19.6% QoQ	+1.18%	0.89% +14.1% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Bottom 9.1% in tier
Loan-to-Deposit Ratio ?	87.03% -7.3% YoY +0.5% QoQ	+2.82%	84.20% +0.3% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	0.41% +22.5% YoY -6.6% QoQ	-20.88%	21.29% -2.5% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 0.8% in tier
Nonperforming Asset Ratio ?	1.56% -48.3% YoY -19.3% QoQ	+0.89%	0.67% +15.6% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Bottom 10.6% in tier
Tier 1 Capital Ratio ?	11.27% +8.9% YoY +4.5% QoQ	-3.89%	15.16% +2.0% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.25% -30.0% YoY -80.6% QoQ	+0.00%	0.26% +1.6% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	81%

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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 (2)

Capital Thin

risk

#16 of 221 • Bottom 6.8% 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: 11.27%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Cost Spiral

risk

#22 of 31 • Bottom 67.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 62.81%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

31 of 31 Mid-Market banks match · 176 nationally

↑ Growing +82 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 884 peers in $1B-$10B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 6.51%

Peer Median: 3.82%

#18 of 884 Top 1.9% in $1B-$10B

172

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.26%

#172 of 884 Top 19.3% in $1B-$10B

Top Weaknesses (5 metrics)

878

Non-Interest-Bearing Deposit Share

funding

Value: 0.41%

Peer Median: 21.29%

#878 of 884 Bottom 0.8% in $1B-$10B

801

Delinquency Rate

credit_quality

Value: 2.06%

Peer Median: 0.89%

#801 of 880 Bottom 9.1% in $1B-$10B

791

Nonperforming Asset Ratio

credit_quality

Value: 1.56%

Peer Median: 0.67%

#791 of 884 Bottom 10.6% in $1B-$10B

779

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.37%

#779 of 884 Bottom 12.0% in $1B-$10B

707

Tier 1 Capital Ratio

capital

Value: 11.27%

Peer Median: 15.16%

#707 of 884 Bottom 20.1% in $1B-$10B