Quill Bank
Total assets
$1.56B
▲ +30.1% YoY
Deposits
$1.31B
▲ +30.4% YoY
Loans
$1.21B
▲ +31.1% YoY
Offices
8
QUILL FINANCIAL INC
ROA (annualized)
5.29%
peers 1.26%
ROE (annualized)
38.07%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Quill Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.1% | +5.5% | +24.6 pts |
| Deposit growth (YoY) | +30.4% | +5.1% | +25.4 pts |
| Loan growth (YoY) | +31.1% | +5.9% | +25.2 pts |
| ROA | 5.29% | 1.26% | +4.0 pts |
| ROE | 38.1% | 12.2% | +25.9 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
Profile
- Established
- 1993
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- QUILL FINANCIAL INC
- Specialization
- Commercial Lending Specialization
- Address
- 3280 N University Ave, Provo, UT, 84604
- County
- Utah
- Metro area
- Provo-Orem, UT
- Offices
- 8
- FDIC cert #
- 33823
- RSSD ID
- 2068107
- 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 | $1.56B | $1.31B | $1.21B | $220.0M | $39.6M | 5.29% | 16.84% | 2.06% |
| Q1 2026 | $1.50B | $1.28B | $1.12B | $199.4M | $18.7M | 5.11% | 16.89% | 2.75% |
| Q4 2025 | $1.43B | $1.19B | $1.08B | $204.4M | $62.7M | 5.06% | 16.88% | 1.81% |
| Q3 2025 | $1.34B | $1.13B | $1.02B | $186.5M | $44.5M | 4.99% | 16.83% | 1.88% |
| Q2 2025 | $1.20B | $1.00B | $926.0M | $166.3M | $25.0M | 4.39% | 16.08% | 2.08% |
| Q1 2025 | $1.14B | $954.1M | $862.0M | $153.5M | $12.0M | 4.30% | 15.21% | 2.41% |
| Q4 2024 | $1.09B | $907.2M | $838.7M | $154.3M | $35.7M | 3.70% | 13.86% | 2.20% |
| Q3 2024 | $996.5M | $841.4M | $775.1M | $145.1M | $25.2M | 3.61% | 13.17% | 1.29% |
Loan mix (Q2 2026): real estate $779.1M · commercial $270.2M · consumer $212.0M · securities $60.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Quill Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 5.29% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 38.1% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 16.84% | 3.70% | 100th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.4% | 59.0% | 3th | |
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 | Quill 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% |
Capital
| Ratio | Quill 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% |
Credit quality
| Ratio | Quill 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% |
Franchise
| Ratio | Quill Bank | 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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