FIRST UTAH BANK

SALT LAKE CITY, UT | Medium | Est. Oct. 19, 1978, midnight | FDIC #22738 | RSSD #207872 | FDIC
Latest Report: 2025-12-31

FIRST UTAH BANK is amn medium FDIC-insured commercial bank headquartered in SALT LAKE CITY, UT, established in Oct. 19, 1978, midnight. As of 2025-12-31, the bank reported total assets of $846M and total deposits of $734M. Profitability stands at 0.95% ROA and 9.79% ROE, with a net interest margin of 4.98%. The bank's CET1 capital ratio is 11.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.59% and a Texas Ratio of 33.19%. FDIC Certificate #22738.

Assets

$846M

Deposits

$734M

Loans

$663M

Equity

$83M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 9.79%
Net Interest Margin (NIM) 4.98%
Yield on Assets 7.41%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 4.59%
Net Charge-Off Ratio 0.46%
Texas Ratio 33.19%
NPA Ratio 3.60%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 11.73%
Tier 1 Capital 11.73%
Total Capital Ratio 12.95%
Leverage Ratio 9.58%
Loan-to-Deposit 90.24%

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