BlastPoint's Banking Scorecard
Prime Alliance Bank
Designations: ✓ Community bank
Woods Cross, 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 +9.0% year over year ($966.1M on the books).
- Delinquency rate 1.65%.
- Return on assets 3.41%.
- Efficiency ratio 20.62% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.87% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Prime Alliance Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 3.6% in tier
- + Net Interest Margin 1.06% above tier average
- + Efficiency Ratio 39.11% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.85% below tier average
- - Non-Interest Income / Assets 0.52% below tier average
- - Delinquency Rate 0.78% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+11.6% YoY
+2.5% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.0% in tier |
| Total Loans ? |
$858.6M
+11.6% YoY
+5.0% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$966.1M
+9.0% YoY
+2.2% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.7% in tier |
| Return on Assets ? |
3.41%
+69.7% YoY
-5.2% QoQ
|
+2.02% |
1.39%
+17.0% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
Top 1.8% in tier |
| Net Interest Margin ? |
4.93%
+10.4% YoY
+0.5% QoQ
|
+1.06% |
3.87%
+6.2% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
Top 6.1% in tier |
| Efficiency Ratio ? |
20.62%
-3.2% YoY
-8.0% QoQ
|
-39.11% |
59.73%
-12.6% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
Top 0.8% in tier |
| Delinquency Rate ? |
1.65%
-27.0% YoY
-7.4% QoQ
|
+0.78% |
0.87%
+11.7% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.3% in tier |
| Loan-to-Deposit Ratio ? |
88.87%
+2.4% YoY
+2.8% QoQ
|
+3.84% |
85.04%
-0.1% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
2.42%
-44.3% YoY
-11.8% QoQ
|
-18.85% |
21.27%
-1.5% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 2.3% in tier |
| Nonperforming Asset Ratio ? |
1.30%
-27.0% YoY
-5.1% QoQ
|
+0.63% |
0.67%
+11.7% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.8% in tier |
| Tier 1 Capital Ratio ? |
12.73%
+22.8% YoY
+1.1% QoQ
|
-2.11% |
14.84%
-0.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.00%
+34.4% YoY
+84.8% QoQ
|
-0.52% |
0.53%
+2.5% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
2.4%
-1.9pp YoY -0.3pp QoQ |
-19.0pp | 21.4% | 20.1% | 22.2% | 2% |
| Brokered Deposits |
15.0%
-4.7pp YoY +0.2pp QoQ |
+5.5pp | 9.5% | 28.6% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
67.2%
+2.5pp YoY +0.4pp QoQ |
+53.1pp | 14.0% | 25.0% | 12.5% | 99% |
| CRE | n/a | n/a | 50.0% | 44.1% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 26.4% | 13.8% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.7% | 45.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.7%
+2.4pp YoY +0.1pp QoQ |
-2.9pp | 15.6% | 25.0% | 19.7% | 37% |
| Leverage Ratio |
11.5%
+1.6pp YoY +0.4pp QoQ |
+0.2pp | 11.3% | 15.7% | 12.6% | 70% |
| Total Capital Ratio |
14.0%
+2.4pp YoY +0.1pp QoQ |
-2.7pp | 16.7% | 26.3% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
35
0 YoY -1 (-2.8%) QoQ |
-279 | 313 | 1,029 | 482 | 0% |
| Assets per Employee ($) |
$31.0M
+11.6% YoY +5.4% QoQ |
+$20.5M | $10.5M | $39.6M | $8.8M | 98% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.6% | 0.4% | n/a |
| Nonaccrual |
1.6%
-0.6pp YoY -0.1pp QoQ |
+0.8pp | 0.8% | 1.2% | 1.0% | 88% |
| Allowance Coverage |
1.81x
+8.7% YoY -9.0% QoQ |
-16.90x | 18.71x | 7.86x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
1.4%
+1.3pp YoY +1.1pp QoQ |
+1.1pp | 0.3% | 3.6% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
33.3%
+10.5pp YoY -2.8pp QoQ |
+20.7pp | 12.6% | 15.9% | 11.6% | 98% |
| Cost of Funds (YTD) |
3.3%
-0.4pp YoY 0.0pp QoQ |
+1.4pp | 1.9% | 2.3% | 1.7% | 98% |
| Net Income ($, YTD) |
$18.3M
+102.1% YoY — QoQ |
-$966K | $19.2M | $307.8M | $40.4M | 67% |
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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.