Bank of Utah
Bank of Utah is an FDIC-insured commercial bank headquartered in Ogden, UT, supervised by the FDIC, with $3.85B in total assets at Q3 2026, up 3.6% from Q3 2025, the 18th largest of 44 banks headquartered in Utah. It was established in 1952 and holds FDIC certificate 17159. Its CET1 capital ratio was 15.99% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
BankRegReports is independent of Bank of Utah and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17159
- Headquarters
- Ogden, UT
- Established
- 1952
- Total assets, Q3 2026
- $3.85B
- Assets vs Q3 2025
- +3.6%
- CET1 ratio, Q3 2026
- 15.99%
- Domestic offices
- 20 branches
- Routing number
- 124300107
- Safety and soundness
- Is Bank of Utah safe?
- Latest call report
- Q3 2026, FFIEC 051 · Bank of Utah call report
- Holding company
- BOU BANCORP, INC.
- Asset rank in state
- 18th of 44 in Utah
Bank of Utah, based in Ogden, Utah, reported $3.8 billion in assets at September 30, 2026, up 3.6% from a year earlier. It carries problem assets equal to 0.8% of the capital and reserves that would absorb them, a small fraction of the median of 3.9% for the 887 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 31.1%).
Net income for the quarter slipped 17% from a year earlier, to $12 million. Over the same year, loans grew 5.8% and deposits grew 1.7%.
As of September 30, 2026, Bank of Utah reported a CET1 capital ratio of 15.99%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.83%. The figures come from its call report filed with the FFIEC.
Of the 44 banks headquartered in Utah, Bank of Utah is the 18th largest by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 1.7% to $3.85B, loans rose 2.5% and deposits rose 1.8%. Non-owner-occupied commercial real estate loans made up 27.9% of its total loans on September 30, 2026, its largest category; next came loans to states and political subdivisions at 26.3%. The FDIC Summary of Deposits lists 19 offices for it, in 15 cities in UT; its Ogden 3 offices book 52% of its branch deposits. On its Q3 2026 call report, Bank of Utah meets every capital ratio test for well capitalized.
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
- Domestic offices
- 20 branches
- Employees (FTE)
- 436
- Domestic deposits
- $3.01B
- Allowance for credit losses
- $36.0M
- Net charge-offs (YTD)
- $3.3M
- Average total assets
- $3.73B
- Average total loans
- $2.99B
- Average interest-bearing deposits
- $2.19B
- 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
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch Bank of Utah: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Bank of Utah's total assets ran between $2.91B (Q4 2023) and $3.85B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$3.85B total assets against $3.72B; $3.38B total liabilities against $3.28B.
$3.01B net loans and leases against $2.84B; $3.01B total deposits against $2.96B.
$239.1M securities against $292.5M; $369.2M cash and balances due against $373.5M.
$51.6M total interest income against $51.8M; $19.0M total interest expense against $21.0M.
$32.6M net interest income against $30.8M.
$7.3M total noninterest income against $6.5M; $25.7M total noninterest expense against $19.7M.
$752K provision for credit losses against $598K.
$11.8M net income against $14.1M.
1.26% return on assets against 1.52%; 3.82% net interest margin against 3.60%.
15.99% CET1 capital ratio against 16.11%; 12.74% tier 1 leverage ratio against 11.77%.
Inside the full Bank of Utah terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Bank of Utah rankings
Its closest position to the top of a national ranking is 341 of 4,193, for total assets; its furthest is 2,806 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.23% (Q2 2025) to 1.52% (Q3 2025) and its net interest margin ran from 3.34% (Q1 2025) to 3.82% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.99% | 1.26% | 0.14% | 0.83% | 3.82% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in UT, rank 23 of 63 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
Frequently asked about Bank of Utah
What are Bank of Utah's total assets?
As of the Q3 2026 filing, Bank of Utah reported total assets of $3.85 billion in its FFIEC call report.
Where is Bank of Utah headquartered?
It is headquartered in Ogden, UT, United States.
When was Bank of Utah founded?
It was established in 1952, per the FDIC institution directory.
Is Bank of Utah FDIC-insured?
Yes. It 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.
What is Bank of Utah's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.99% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Utah operate?
It 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?
Its Texas Ratio is 0.83% in its Q3 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 nonperforming assets against the bank's capital and reserves.
Go deeper on Bank of Utah.
Get an email when Bank of Utah files its next call report, and benchmark it against any peer you choose.
Unlock Bank of Utah, freeFree account