B2 Bank N.A.
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Data as of · sourced from FFIEC call reports. How we update
B2 Bank N.A. is an FDIC-insured commercial bank headquartered in Holladay, UT, established in 1902 (FDIC certificate 5105), and it is supervised by the OCC. At Q2 2026 it reported total assets of $114.6M, up 59.1% from Q2 2025, the 41st largest of 44 banks headquartered in Utah. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.66% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5105
- Headquarters
- Holladay, UT
- Established
- 1902
- Total assets, Q2 2026
- $114.6M
- Assets vs Q2 2025
- +59.1%
- Tier 1 leverage ratio, Q2 2026
- 13.66%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 124003349
- Latest call report
- Q2 2026, FFIEC 051 · B2 Bank N.A. call report
- Holding company
- B2 BANCORP, INC.
- Asset rank in state
- 41st of 44 in Utah
Problem loans are rising at B2 Bank N.A.. Based in Holladay, Utah, it had $115 million in assets at June 30, 2026, up 59.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.07% of loans from 0.16% a year earlier. It loses about $1.85 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 124 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $328,000 in the quarter. Credit is the area to watch: it carries problem assets equal to 7.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, B2 Bank N.A. reported a return on assets of -1.85%, a nonperforming-loan ratio of 2.07% and a Texas ratio of 7.57%. The figures come from its call report filed with the FFIEC.
Of the 44 banks headquartered in Utah, B2 Bank N.A. is the 41st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 84.9% to $114.6M, loans rose 12.3% and deposits rose 104.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.2% of total loans, followed by commercial and industrial loans at 17.2%. Its 3 offices in the FDIC Summary of Deposits are in Holladay, UT, Buhl, MN and Virginia, MN; its Holladay office books 70% of its branch deposits. Judged on its Q2 2026 call report, B2 Bank N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1895 E Rodeo Walk Dr, Holladay, UT 84117
- County
- Salt Lake
- Metro Area
- Duluth, MN-WI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1902
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $103.8M
- Allowance for credit losses
- $357K
- Net charge-offs (YTD)
- $0
- Average total assets
- $70.9M
- Average total loans
- $35.3M
- Average interest-bearing deposits
- $60.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5105
- Fed RSSD
- 108652
- Website
- www.b2.bank →
- Parent Holding Company
- B2 BANCORP, INC. (RSSD 5680658)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, B2 Bank N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, B2 Bank N.A.'s total assets ran between $62.0M (Q1 2026) and $114.6M (Q2 2026), and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$114.6M total assets against $72.0M; $104.0M total liabilities against $60.8M.
$38.3M net loans and leases against $35.2M; $103.8M total deposits against $60.5M.
$7.5M securities against $7.0M; $66.3M cash and balances due against $27.6M.
$918K total interest income against $1.1M; $259K total interest expense against $252K.
$659K net interest income against $875K.
$1.1M total noninterest income against $1.2M; $2.2M total noninterest expense against $2.3M.
$35K provision for credit losses against $13K.
-$328K net income against -$172K.
-1.85% return on assets against -0.93%; 3.85% net interest margin against 4.88%.
13.66% tier 1 leverage ratio against 14.29%.
Inside the full B2 Bank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeB2 Bank N.A. rankings
Its closest position to the top of a national ranking is 880 of 3,640, for Texas Ratio; its furthest is 3,593 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.85% (Q2 2026) to 0.23% (Q3 2024) and its net interest margin ran from 3.85% (Q2 2026) to 5.22% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | -1.85% | 2.07% | 7.57% | 3.85% |
| Q1 2026 | 15.60% | -1.73% | 1.65% | 5.23% | 4.31% |
| Q4 2025 | 15.97% | -0.95% | 1.32% | 4.16% | 4.77% |
| Q3 2025 | 15.27% | 0.09% | 0.60% | 1.86% | 4.82% |
| Q2 2025 | 14.29% | -0.93% | 0.16% | 0.52% | 4.88% |
| Q1 2025 | 13.11% | -0.81% | 0.76% | 2.45% | 4.45% |
| Q4 2024 | 13.07% | -1.48% | 0.75% | 2.35% | 5.04% |
| Q3 2024 | 12.28% | 0.23% | 2.20% | 7.15% | 5.22% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| B2 Bank N.A. (main office) | Holladay , UT | 84117 | $72.6M |
| Seville Branch | Buhl , MN | 55713 | $31.2M |
| Virginia Branch | Virginia , MN | 55792 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 4 against individuals associated with it
- November 14, 2023, OCC: Formal Agreement: B2 Bank National Association
- September 19, 2005, OCC: Formal Agreement: The First National Bank of Buhl
- Period: Most recent institution action November 14, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in UT, rank 55 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $220K approved, $220K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about B2 Bank N.A.
What are B2 Bank N.A.'s total assets?
As of the Q2 2026 filing, B2 Bank N.A. reported total assets of $114.6 million in its FFIEC call report.
Where is B2 Bank N.A. headquartered?
It is headquartered in Holladay, UT, United States.
When was B2 Bank N.A. founded?
It was established in 1902, per the FDIC institution directory.
Is B2 Bank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5105). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates B2 Bank N.A.?
B2 Bank N.A.'s primary federal regulator is the OCC.
How many branches does B2 Bank N.A. operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is B2 Bank N.A.'s Texas Ratio?
Its Texas Ratio is 7.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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