First Utah 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.
Loan-to-deposit ratio dropped 2.34 percentage points in Q2 2026, from 94.48% to 92.14%. It was the largest change from Q1 2026 among the key lines here. Within Utah, First Utah Bank is 39th of 44 on return on assets, 0.71% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Utah Bank sits 0.55 points lower, at 0.71% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.22% |
| Equity capital to assets | 10.17% |
| Tangible equity to tangible assets | 10.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.08% |
| Non-performing assets ratio | 5.35% |
| Net charge-off ratio | 1.65% |
| Texas ratio | 48.05% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 20.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 7.04% |
| Net interest margin | 4.63% |
| Efficiency ratio | 55.70% |
| Yield on earning assets | 6.84% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.14% |
| Core deposits to total deposits | 78.03% |
| Brokered deposits to total deposits | 16.07% |
| Deposits to assets | 81.94% |
| Securities to assets | 12.55% |
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 | 12.41% | 12.41% | 13.45% | 10.04% | 1.04% |
| Q4 2023 | 12.07% | 12.07% | 13.20% | 9.91% | 0.78% |
| Q1 2024 | 11.82% | 11.82% | 12.92% | 9.88% | 1.05% |
| Q2 2024 | 11.99% | 11.99% | 13.08% | 9.69% | 1.20% |
| Q3 2024 | 11.52% | 11.52% | 12.64% | 9.48% | 0.61% |
| Q4 2024 | 10.81% | 10.81% | 11.98% | 9.21% | 1.04% |
| Q1 2025 | 11.15% | 11.15% | 12.34% | 9.00% | 1.39% |
| Q2 2025 | 10.84% | 10.84% | 12.00% | 9.12% | 0.86% |
| Q3 2025 | 11.12% | 11.12% | 12.31% | 9.37% | 1.34% |
| Q4 2025 | 11.73% | 11.73% | 12.95% | 9.58% | 0.95% |
| Q1 2026 | 11.86% | 11.86% | 13.05% | 9.99% | 0.77% |
| Q2 2026 | — | — | — | 10.22% | 0.71% |
First Utah Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Utah 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 Utah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22738) · FFIEC NIC profile (RSSD 207872)