Bank of Utah: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Utah, based in Ogden, Utah, reported $3.8 billion in assets at June 30, 2026, up 6.7% from a year earlier. It carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Its $828 million non-owner-occupied commercial real estate book is now fully current, after 1.36% of it was past due or on nonaccrual a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.11% of loans from 0.36%.
As of June 30, 2026, Bank of Utah reported a CET1 capital ratio of 16.36%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 0.68%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2605 Washington Blvd, Ogden, UT 84401
- County
- Weber
- Metro Area
- Ogden, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 5, 1952
- Offices
- 20 domestic
- Employees (FTE)
- 426
- Domestic deposits
- $2.95B
- Allowance for credit losses
- $35.2M
- Net charge-offs (YTD)
- $3.3M
- Average total assets
- $3.66B
- Average total loans
- $2.93B
- Average interest-bearing deposits
- $2.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 1, 1952
- FDIC Cert
- 17159
- Fed RSSD
- 933975
- Website
- www.bankofutah.com →
- Parent Holding Company
- BOU BANCORP, INC. (RSSD 2935142)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Utah terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Utah, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Utah rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of Utah: Uninsured deposits.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 16.36% | 1.31% | 0.15% | 0.68% | 3.63% |
| Q1 2026 | 16.56% | 1.36% | 0.09% | 0.29% | 3.79% |
| Q4 2025 | 16.41% | 1.32% | 0.28% | 1.49% | 3.65% |
| Q3 2025 | 16.11% | 1.52% | 0.00% | 0.01% | 3.60% |
| Q2 2025 | 15.82% | 1.23% | 0.36% | 2.27% | 3.46% |
| Q1 2025 | 16.15% | 1.28% | 0.00% | 0.01% | 3.34% |
| Q4 2024 | 16.19% | 1.27% | 0.01% | 0.07% | 3.52% |
| Q3 2024 | 16.62% | 1.33% | 0.00% | 0.00% | 3.49% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 19 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Utah (main office) | Ogden , UT | 84401 | $1.22B |
| South Ogden Branch | Ogden , UT | 84403 | $185.7M |
| City Creek Banking Center | Salt Lake City , UT | 84111 | $183.4M |
| Bountiful Branch | Bountiful , UT | 84010 | $167.6M |
| Sandy Branch | Sandy , UT | 84070 | $140.1M |
| Ben Lomond Branch | Ogden , UT | 84404 | $136.8M |
| Provo Branch | Provo , UT | 84604 | $123.8M |
| Orem Branch | Orem , UT | 84059 | $100.9M |
| Logan Branch | Logan , UT | 84341 | $99.7M |
| Layton Branch | Layton , UT | 84041 | $97.5M |
| Redwood Branch | Salt Lake City , UT | 84119 | $85.6M |
| Roy Branch | Roy , UT | 84067 | $81.1M |
| Tremonton Branch | Tremonton , UT | 84337 | $75.3M |
| Lindon Branch | Lindon , UT | 84042 | $60.2M |
| Heber Branch | Heber City , UT | 84032 | $58.7M |
| Brigham City Branch | Brigham City , UT | 84302 | $54.5M |
| Providence Branch | Providence , UT | 84332 | $52.1M |
| St. George Branch | Saint George , UT | 84770 | $33.0M |
| Salt Lake Trust Branch | Salt Lake City , UT | 84111 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2018 | M&A | Acquired American Bank of Commerce merger for the acquired bank | SEC |
| December 1, 2018 | Structure Change | Acquired American Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 1999 | M&A | Acquired Nubanc Corporation dba First Commerce Bank merger for the acquired bank | SEC |
| September 16, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 1999 | Structure Change | Acquired Nubanc Corporation dba First Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 1995 | Structure Change | Acquired Browning Bancorp Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 1995 | M&A | Acquired Browning Bancorp merger for the acquired bank | SEC |
| November 1, 1978 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1978 | Structure Change | Acquired Bank of Northern Utah Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1978 | M&A | Acquired Bank of Northern Utah merger for the acquired bank | SEC |
| April 15, 1974 | Structure Change | Acquired Bank of Ben Lomond Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 15, 1974 | M&A | Acquired Bank of Ben Lomond merger for the acquired bank | SEC |
| April 15, 1974 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Bank of Utah, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in UT, rank 23 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 945 applications, 734 loans originated, $284.8M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $21.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Utah
What are Bank of Utah's total assets?
As of the Q2 2026 filing, Bank of Utah reported total assets of $3.79 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Utah headquartered?
Bank of Utah is headquartered in Ogden, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Utah founded?
Bank of Utah was established in 1952, per the FDIC institution directory.
Is Bank of Utah FDIC-insured?
Yes. Bank of Utah is an FDIC-insured commercial bank (FDIC Certificate #17159). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Utah?
Bank of Utah'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 Bank of Utah's CET1 capital ratio?
Bank of Utah reported a Common Equity Tier 1 (CET1) capital ratio of 16.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Utah operate?
Bank of Utah operates 20 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Utah's Texas Ratio?
Bank of Utah's Texas Ratio is 0.68% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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