Bank of Utah
Total assets
$3.79B
▲ +6.7% YoY
Deposits
$2.95B
▲ +5.3% YoY
Loans
$2.93B
▲ +4.4% YoY
Offices
20
BOU BCORP INC
ROA (annualized)
1.30%
peers 1.26%
ROE (annualized)
10.55%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Bank of Utah | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.3 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.2 pts |
| Loan growth (YoY) | +4.4% | +5.9% | -1.5 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 10.6% | 12.2% | -1.6 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
Profile
- Established
- 1952
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BOU BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 2605 Washington Blvd, Ogden, UT, 84401
- County
- Weber
- Metro area
- Ogden-Clearfield, UT
- Offices
- 20
- FDIC cert #
- 17159
- RSSD ID
- 933975
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.79B | $2.95B | $2.93B | $465.5M | $24.1M | 1.30% | 3.53% | 0.12% |
| Q1 2026 | $3.73B | $2.86B | $2.88B | $456.1M | $12.1M | 1.32% | 3.60% | 0.07% |
| Q4 2025 | $3.58B | $2.86B | $2.85B | $447.5M | $47.6M | 1.35% | 3.44% | 0.23% |
| Q3 2025 | $3.72B | $2.96B | $2.84B | $437.5M | $35.5M | 1.34% | 3.37% | 0.00% |
| Q2 2025 | $3.55B | $2.81B | $2.81B | $424.1M | $21.4M | 1.23% | 3.25% | 0.29% |
| Q1 2025 | $3.51B | $2.77B | $2.72B | $415.1M | $10.7M | 1.25% | 3.17% | 0.00% |
| Q4 2024 | $3.32B | $2.57B | $2.62B | $404.2M | $41.6M | 1.28% | 3.22% | 0.01% |
| Q3 2024 | $3.75B | $3.03B | $2.55B | $400.8M | $30.9M | 1.27% | 3.15% | 0.00% |
Loan mix (Q2 2026): real estate $1.94B · commercial $118.0M · consumer $8.4M · securities $257.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Bank of Utah | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.70% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 59.0% | 59th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bank of Utah | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bank of Utah | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bank of Utah | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bank of Utah | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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