| Metric | Utah Independent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +2.9 pts |
| Loan growth (YoY) | +19.4% | +5.6% | +13.9 pts |
| ROA | 3.43% | 1.24% | +2.2 pts |
| ROE | 23.0% | 11.9% | +11.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $170.9M | $143.2M | $119.7M | $25.8M | $2.8M | 3.43% | 6.88% | 1.29% |
| Q1 2026 | $163.0M | $136.5M | $108.4M | $24.7M | $1.4M | 3.41% | 7.10% | 0.53% |
| Q4 2025 | $160.2M | $135.2M | $109.2M | $23.1M | $4.1M | 2.58% | 6.65% | 0.35% |
| Q3 2025 | $159.8M | $133.8M | $104.1M | $24.1M | $3.1M | 2.66% | 6.50% | 0.45% |
| Q2 2025 | $158.4M | $134.0M | $100.2M | $22.6M | $1.9M | 2.48% | 6.43% | 2.89% |
| Q1 2025 | $159.6M | $135.9M | $98.8M | $22.0M | $1.3M | 3.39% | 6.29% | 2.13% |
| Q4 2024 | $152.1M | $129.7M | $94.6M | $20.6M | $4.5M | 3.08% | 6.55% | 2.20% |
| Q3 2024 | $151.2M | $127.3M | $94.3M | $22.0M | $3.7M | 3.42% | 6.49% | 1.76% |
Loan mix (Q2 2026): real estate $92.6M · commercial $18.7M · consumer $4.6M · securities $17.8M
| Ratio | Utah Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.43% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 23.0% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.0% | 62.9% | 6th |
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 | Utah Independent 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 | Utah Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Utah Independent 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 | Utah Independent 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 | Utah Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+0 vs 2024) · $134.0M branch deposits. Biggest market: Beaver, UT, ranked 1st with 53.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beaver, UT | 2 | $82.2M | 53.26% | 1st |
| Sevier, UT | 2 | $51.8M | 8.63% | 4th |
Utah: 75th with 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4