BlastPoint's Banking Scorecard
Prime Alliance Bank
Designations: ✓ Community bank
Woods Cross, UT
Prime Alliance Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1.8% in tier
- + Net Interest Margin 1.09% above tier average
- + Efficiency Ratio 38.65% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.55% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - Delinquency Rate 0.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+19.5% YoY
-1.3% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.4% in tier |
| Total Loans ? |
$817.4M
+19.4% YoY
-0.8% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$945.6M
+17.6% YoY
-2.3% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.7% in tier |
| Return on Assets ? |
3.59%
+89.0% YoY
+48.0% QoQ
|
+2.23% |
1.37%
+19.6% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
Top 1.8% in tier |
| Net Interest Margin ? |
4.91%
+16.5% YoY
+3.8% QoQ
|
+1.09% |
3.82%
+6.9% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
Top 6.4% in tier |
| Efficiency Ratio ? |
22.41%
+5.4% YoY
+6.8% QoQ
|
-38.65% |
61.06%
-4.6% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
Top 0.7% in tier |
| Delinquency Rate ? |
1.78%
-20.0% YoY
-12.7% QoQ
|
+0.89% |
0.89%
+14.1% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.3% in tier |
| Loan-to-Deposit Ratio ? |
86.44%
+1.5% YoY
+1.6% QoQ
|
+2.23% |
84.20%
+0.3% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
2.74%
-12.5% YoY
-26.9% QoQ
|
-18.55% |
21.29%
-2.5% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.4% in tier |
| Nonperforming Asset Ratio ? |
1.37%
-20.1% YoY
-12.2% QoQ
|
+0.70% |
0.67%
+15.6% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.2% in tier |
| Tier 1 Capital Ratio ? |
12.59%
+13.1% YoY
+10.0% QoQ
|
-2.57% |
15.16%
+2.0% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.00%
+44.6% YoY
-65.6% QoQ
|
-0.26% |
0.26%
+1.6% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.9% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.