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

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 +0.4% year over year ($1.4B on the books).
Delinquency rate 1.82%.
Return on assets 1.05%.
Efficiency ratio 61.08% vs a 59.73% peer average.
Loan-to-deposit ratio 89.54% 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) →

Transportation Alliance Bank, Inc. d/b/a TAB Bank has 1 strength 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

+ Net Interest Margin 2.73% above tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 20.79% below tier average
- ROA 0.35% below tier average
- Efficiency Ratio 1.35% above tier average
- Delinquency Rate 0.96% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$1.6B -3.2% YoY -0.0% QoQ	-$1.2B	$2.8B -0.6% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	38%
Total Loans ?	$1.2B -4.0% YoY +2.3% QoQ	-$730.7M	$2.0B -0.3% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$1.4B +0.4% YoY -0.6% QoQ	-$942.3M	$2.3B -0.5% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	40%
Return on Assets ?	1.05% +27.7% YoY +76.3% QoQ	-0.35%	1.39% +17.0% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	6.60% -5.5% YoY +1.4% QoQ	+2.73%	3.87% +6.2% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 1.8% in tier
Efficiency Ratio ?	61.08% +7.2% YoY -2.8% QoQ	+1.35%	59.73% -12.6% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	1.82% -34.6% YoY -11.8% QoQ	+0.96%	0.87% +11.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Bottom 10.9% in tier
Loan-to-Deposit Ratio ?	89.54% -4.3% YoY +2.9% QoQ	+4.50%	85.04% -0.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	0.48% +34.3% YoY +16.5% QoQ	-20.79%	21.27% -1.5% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 0.9% in tier
Nonperforming Asset Ratio ?	1.41% -40.2% YoY -9.7% QoQ	+0.74%	0.67% +11.7% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Bottom 12.0% in tier
Tier 1 Capital Ratio ?	11.74% +14.7% YoY +4.1% QoQ	-3.10%	14.84% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.52% -25.9% YoY +104.2% QoQ	-0.01%	0.53% +2.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	81%

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	0.5% +0.1pp YoY +0.1pp QoQ	-20.9pp	21.4%	20.1%	22.2%	0%
Brokered Deposits	30.9% -3.6pp YoY -3.2pp QoQ	+21.4pp	9.5%	28.6%	8.5%	95%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	59.7% -0.6pp YoY +1.3pp QoQ	+45.6pp	14.0%	25.0%	12.5%	99%
CRE	25.1% -0.3pp YoY -1.5pp QoQ	-24.9pp	50.0%	44.1%	41.4%	8%
1-4 Family	0.0% 0.0pp YoY 0.0pp QoQ	-26.4pp	26.4%	13.8%	31.3%	0%
Consumer	7.0% -1.4pp YoY +0.1pp QoQ	+2.3pp	4.7%	45.8%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	25.0%	19.7%	n/a
Leverage Ratio	11.7% +1.5pp YoY +0.5pp QoQ	+0.4pp	11.3%	15.7%	12.6%	73%
Total Capital Ratio	n/a	n/a	16.7%	26.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	297 -18 (-5.7%) YoY -11 (-3.6%) QoQ	-17	313	1,029	482	64%
Assets per Employee ($)	$5.4M +2.6% YoY +3.7% QoQ	-$5.1M	$10.5M	$39.6M	$8.8M	6%
Branch Count	1 0 YoY 0 QoQ	-19	20	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.6%	0.4%	72%
Nonaccrual	1.7% -1.0pp YoY -0.3pp QoQ	+0.9pp	0.8%	1.2%	1.0%	90%
Allowance Coverage	0.83x +15.3% YoY +4.9% QoQ	-17.88x	18.71x	7.86x	20.23x	17%
Net Charge-off Rate (YTD)	2.3% -1.0pp YoY -0.7pp QoQ	+2.0pp	0.3%	3.6%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	9.5% +1.1pp YoY +4.0pp QoQ	-3.1pp	12.6%	15.9%	11.6%	29%
Cost of Funds (YTD)	3.2% -0.6pp YoY 0.0pp QoQ	+1.2pp	1.9%	2.3%	1.7%	97%
Net Income ($, YTD)	$8.3M +25.1% YoY — QoQ	-$10.9M	$19.2M	$307.8M	$40.4M	31%

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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 (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 6.60%

Peer Median: 3.87%

#17 of 885 Top 1.8% in $1B-$10B

166

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.53%

#166 of 885 Top 18.6% in $1B-$10B

Top Weaknesses (3 metrics)

878

Non-Interest-Bearing Deposit Share

funding

Value: 0.48%

Peer Median: 21.27%

#878 of 885 Bottom 0.9% in $1B-$10B

787

Delinquency Rate

credit_quality

Value: 1.82%

Peer Median: 0.87%

#787 of 882 Bottom 10.9% in $1B-$10B

780

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.67%

#780 of 885 Bottom 12.0% in $1B-$10B