UTAH INDEPENDENT BANK

SALINA, UT | Small | Est. Aug. 29, 1977, midnight | FDIC #22514 | RSSD #256179 | FED
Latest Report: 2025-12-31

UTAH INDEPENDENT BANK is asn small FDIC-insured commercial bank headquartered in SALINA, UT, established in Aug. 29, 1977, midnight. As of 2025-12-31, the bank reported total assets of $160M and total deposits of $135M. Profitability stands at 2.31% ROA and 15.65% ROE, with a net interest margin of 7.11%. The bank's CET1 capital ratio is 14.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.50% and a Texas Ratio of 2.29%. FDIC Certificate #22514.

Assets

$160M

Deposits

$135M

Loans

$110M

Equity

$23M

Profitability

Return on Assets (ROA) 2.31%
Return on Equity (ROE) 15.65%
Net Interest Margin (NIM) 7.11%
Yield on Assets 8.40%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.50%
Net Charge-Off Ratio 0.89%
Texas Ratio 2.29%
NPA Ratio 0.35%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 14.44%
Tier 1 Capital 14.44%
Total Capital Ratio 15.17%
Leverage Ratio 14.71%
Loan-to-Deposit 81.62%

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