First Electronic Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Net interest margin climbed 7.23 percentage points in Q2 2026, from 14.38% to 21.61%. It was the largest change from Q1 2026 among the key lines here. Among 44 Utah banks, First Electronic Bank sits 2nd from the top on return on assets, 10.49% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, First Electronic Bank reported 10.49% on return on assets in Q2 2026, 9.23 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 90.01% |
| Tier 1 risk-based capital ratio | 90.01% |
| Total risk-based capital ratio | 90.58% |
| Tier 1 leverage ratio | 46.82% |
| Equity capital to assets | 39.44% |
| Tangible equity to tangible assets | 39.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.22% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 0.62% |
| Reserve coverage of non-performing loans | 5250.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 10.49% |
| Return on equity | 22.53% |
| Net interest margin | 21.61% |
| Efficiency ratio | 43.56% |
| Yield on earning assets | 21.79% |
| Cost of funds | 0.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.58% |
| Core deposits to total deposits | 99.91% |
| Brokered deposits to total deposits | 0.09% |
| Deposits to assets | 56.80% |
| Securities to assets | 0.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 78.76% | 78.76% | 78.76% | 37.50% | 16.78% |
| Q4 2023 | 74.36% | 74.36% | 74.36% | 35.44% | 15.41% |
| Q1 2024 | 52.82% | 52.82% | 52.82% | 33.33% | 16.17% |
| Q2 2024 | 62.24% | 62.24% | 62.24% | 29.61% | 15.30% |
| Q3 2024 | 57.32% | 57.32% | 57.32% | 31.10% | 15.30% |
| Q4 2024 | 59.95% | 59.95% | 59.95% | 32.13% | 13.38% |
| Q1 2025 | 52.33% | 52.33% | 52.33% | 32.35% | 15.80% |
| Q2 2025 | 94.32% | 94.32% | 94.32% | 30.43% | 13.51% |
| Q3 2025 | 87.68% | 87.68% | 87.68% | 34.48% | 9.38% |
| Q4 2025 | 141.36% | 141.36% | 141.36% | 36.87% | 11.15% |
| Q1 2026 | 115.23% | 115.23% | 115.54% | 42.50% | 6.60% |
| Q2 2026 | 90.01% | 90.01% | 90.58% | 46.82% | 10.49% |
First Electronic Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Electronic Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Electronic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35533) · FFIEC NIC profile (RSSD 2947556)