FIRST UTAH BANK
FIRST UTAH BANK is an FDIC-insured commercial bank headquartered in SALT LAKE CITY, UT, established in 1978. As of , 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 5.09%. CET1 capital ratio: 11.73%, well above regulatory minimums. NPL ratio: 5.10% · Texas Ratio: 36.86%. Operates 7 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
First Utah Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.73% | 0.95% | 5.10% | 36.86% | 5.09% |
| 2025-09-30 | 11.12% | 1.34% | 3.72% | 27.62% | 5.07% |
| 2025-06-30 | 10.84% | 0.85% | 3.82% | 28.96% | 4.69% |
| 2025-03-31 | 11.15% | 1.37% | 1.57% | 12.09% | 4.98% |
| 2024-12-31 | 10.81% | 1.01% | 1.17% | 14.50% | 5.24% |
| 2024-09-30 | 11.52% | 0.61% | 0.92% | 11.81% | 5.05% |
| 2024-06-30 | 11.99% | 1.21% | 1.50% | 10.59% | 5.05% |
| 2024-03-31 | 11.82% | 1.04% | 1.49% | 10.68% | 5.26% |
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Frequently asked about FIRST UTAH BANK
What are First Utah Bank's total assets?
As of the Q4 2025 filing, First Utah Bank reported total assets of $845.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Utah Bank headquartered?
First Utah Bank is headquartered in SALT LAKE CITY, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Utah Bank founded?
First Utah Bank was established in 1978, per the FDIC institution directory.
Is First Utah Bank FDIC-insured?
Yes. First Utah Bank is an FDIC-insured commercial bank (FDIC Certificate #22738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Utah Bank?
First Utah Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Utah Bank's CET1 capital ratio?
First Utah Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.73% in its most recent quarterly filing — above regulatory minimums.
How many branches does First Utah Bank operate?
First Utah Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Utah Bank's Texas Ratio?
First Utah Bank's Texas Ratio is 36.86% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.