| Metric | First Utah Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.9% | -7.6 pts |
| Deposit growth (YoY) | -3.1% | +4.3% | -7.4 pts |
| Loan growth (YoY) | -4.5% | +5.3% | -9.8 pts |
| ROA | 0.74% | 1.28% | -0.5 pts |
| ROE | 7.4% | 12.4% | -5.0 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $840.3M | $688.5M | $625.2M | $85.4M | $3.1M | 0.74% | 4.50% | 4.83% |
| Q1 2026 | $846.5M | $697.8M | $650.7M | $84.2M | $1.6M | 0.77% | 4.35% | 4.72% |
| Q4 2025 | $845.5M | $734.4M | $654.3M | $83.2M | $9.7M | 1.13% | 4.67% | 3.60% |
| Q3 2025 | $855.7M | $734.4M | $662.6M | $81.9M | $7.7M | 1.18% | 4.61% | 2.45% |
| Q2 2025 | $863.3M | $710.4M | $654.3M | $79.2M | $4.8M | 1.11% | 4.53% | 2.54% |
| Q1 2025 | $857.6M | $734.6M | $657.9M | $78.3M | $3.0M | 1.37% | 4.67% | 1.18% |
| Q4 2024 | $874.2M | $731.7M | $662.9M | $75.2M | $7.4M | 0.96% | 4.72% | 1.36% |
| Q3 2024 | $789.0M | $688.8M | $586.4M | $74.5M | $5.3M | 0.95% | 4.74% | 1.19% |
Loan mix (Q2 2026): real estate $490.1M · commercial $109.5M · consumer $406K · securities $105.5M
| Ratio | First Utah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.28% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 61.2% | 50th |
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% |
| Ratio | First Utah Bank | 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% |
| Ratio | First Utah Bank | 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% |
| Ratio | First Utah Bank | 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% |
| Ratio | First Utah Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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