First Utah Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 20.54 percentage points lower than in Q1 2026, at 261.84%. Within Utah, First Utah Bank is 21st of 44 on loan-to-deposit ratio, 92.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Utah Bank sits 11.30 points higher, at 92.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $634.4M |
| Net loans and leases | $625.2M |
| Loans held for sale | $0 |
| Loans to total assets | 75.50% |
| Loan-to-deposit ratio | 92.14% |
| Net loans to equity capital | 7.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.98% |
| Multifamily (5+ residential) | 2.20% |
| Commercial and industrial | 17.21% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 261.84% |
| Construction concentration (Tier 1 capital + allowance) | 77.33% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.67% |
| Interest income on loans | $11.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $509.2M | $587.9M | 54.40% | 13.81% | 0.30% |
| Q4 2023 | $538.6M | $592.7M | 54.11% | 14.52% | 0.28% |
| Q1 2024 | $556.6M | $566.6M | 53.79% | 16.24% | 0.28% |
| Q2 2024 | $561.2M | $625.4M | 54.76% | 16.65% | 0.05% |
| Q3 2024 | $593.5M | $688.8M | 53.41% | 16.55% | 0.06% |
| Q4 2024 | $671.0M | $731.7M | 53.78% | 18.91% | 0.05% |
| Q1 2025 | $666.2M | $734.6M | 55.66% | 18.34% | 0.05% |
| Q2 2025 | $662.6M | $710.4M | 57.18% | 16.91% | 0.04% |
| Q3 2025 | $671.1M | $734.4M | 59.68% | 16.44% | 0.06% |
| Q4 2025 | $662.8M | $734.4M | 58.30% | 18.87% | 0.05% |
| Q1 2026 | $659.3M | $697.8M | 59.84% | 17.30% | 0.05% |
| Q2 2026 | $634.4M | $688.5M | 58.98% | 17.21% | 0.06% |
First Utah Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Utah Bank, freeSource: Call Report Schedule RC-C, 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 Utah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22738) · FFIEC NIC profile (RSSD 207872)