First Utah Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Utah Bank of Salt Lake City, UT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.71% | 1.34% | -0.63% | 19th bottom |
| ROAE | 7.04% | 13.32% | -6.28% | 21st bottom |
| Net Interest Margin | 4.63% | 3.93% | +0.70% | 84th top |
| Efficiency Ratio | 55.70% | 61.14% | -5.44% | 67th above |
| PPNR / Avg Assets | 2.47% | 1.68% | +0.79% | 88th top |
| Yield on Earning Assets | 6.84% | 5.67% | +1.17% | 93rd top |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 3.91% | 3.32% | +0.59% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.08% | 0.94% | +6.14% | 1st bottom |
| NPA / Total Assets | 5.35% | 0.70% | +4.65% | 1st bottom |
| NCO / Avg Loans | 1.65% | 0.15% | +1.50% | 2nd bottom |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 75th top |
| ACL / NPLs (Coverage) | 20.60% | 1540.03% | -1519.43% | 1st bottom |
| Texas Ratio | 48.05% | 7.30% | +40.75% | 1st bottom |
| Provision / NCO | 123.19% | 1397.07% | -1273.88% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.22% | 12.14% | -1.92% | 36th below |
| Equity / Assets | 10.17% | 11.38% | -1.21% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.04% | 11.09% | -1.05% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.14% | 80.63% | +11.51% | 24th bottom |
| Core Deposit Ratio | 78.03% | 86.87% | -8.84% | 12th bottom |
| Wholesale Funding Ratio | 6.55% | 5.03% | +1.52% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.66% | 6.86% | -9.52% | 9th bottom |
| Loan Growth (Y/Y) | -4.26% | 7.91% | -12.17% | 9th bottom |
| Deposit Growth (Y/Y) | -3.08% | 6.30% | -9.38% | 10th bottom |
See First Utah Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Utah Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Utah Bank profile, how to read a UBPR, or how this data updates.