The Pitney Bowes Bank Inc.
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Data as of · sourced from FFIEC call reports. How we update
The Pitney Bowes Bank Inc. is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, established in 1998 (FDIC certificate 34599), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $796.3M, down 2.4% from Q2 2025, the 33rd largest of 44 banks headquartered in Utah. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.37% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34599
- Headquarters
- Salt Lake City, UT
- Established
- 1998
- Total assets, Q2 2026
- $796.3M
- Assets vs Q2 2025
- -2.4%
- Tier 1 leverage ratio, Q2 2026
- 12.37%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124084627
- Latest call report
- Q2 2026, FFIEC 051 · The Pitney Bowes Bank Inc. call report
- Holding company
- PITNEY BOWES, INC.
- Asset rank in state
- 33rd of 44 in Utah
The Pitney Bowes Bank Inc. runs leaner than most banks of its size. The Salt Lake City, Utah bank had $796 million in assets at June 30, 2026, down 2.4% from a year earlier. It spends about 33 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 7.21 cents of net interest income on every dollar of earning assets, about double the median of 3.95 cents for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 6.9% and deposits fell 1.1%. Unrealized losses on its securities total $30 million, equal to 30% of Tier 1 capital, against 34% a year earlier. One more trend to watch: net income for the quarter slipped 16% from a year earlier, to $11 million.
As of June 30, 2026, The Pitney Bowes Bank Inc. reported a return on assets of 5.18%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
The Pitney Bowes Bank Inc. ranks as the 33rd largest of the 44 banks based in Utah, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.4% to $796.3M, loans fell 0.7% and deposits fell 4.1%. Commercial and industrial loans made up 65.5% of its total loans on June 30, 2026, its largest category; next came leases at 32.9%. Its one office in the FDIC Summary of Deposits is in Salt Lake City, UT. Judged on its Q2 2026 call report, The Pitney Bowes Bank Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 215 S State St, Salt Lake City, UT 84111
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, 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
- —
- Call Report form
- FFIEC 051
- Established
- January 16, 1998
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 48
- Domestic deposits
- $676.4M
- Allowance for credit losses
- $7.8M
- Net charge-offs (YTD)
- $2.9M
- Average total assets
- $810.2M
- Average total loans
- $325.9M
- Average interest-bearing deposits
- $685.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 16, 1998
- FDIC Cert
- 34599
- Fed RSSD
- 2649177
- SEC CIK
- 78814 → filed by PITNEY BOWES, INC.
- Parent Holding Company
- PITNEY BOWES, INC. (RSSD 2029975) · PBI
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Pitney Bowes Bank Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Pitney Bowes Bank Inc.'s total assets moved between a low of $796.3M (Q2 2026) and a high of $899.3M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$796.3M total assets against $816.1M; $718.9M total liabilities against $742.7M.
$462.3M net loans and leases against $432.5M; $676.4M total deposits against $684.0M.
$172.6M securities against $157.0M; $116.3M cash and balances due against $186.7M.
$15.7M total interest income against $15.8M; $1.3M total interest expense against $1.5M.
$14.4M net interest income against $14.4M.
$7.9M total noninterest income against $7.5M; $7.3M total noninterest expense against $4.6M.
$1.2M provision for credit losses against $951K.
$10.5M net income against $12.4M.
5.18% return on assets against 6.05%; 7.21% net interest margin against 7.05%.
12.37% tier 1 leverage ratio against 12.07%.
Inside the full The Pitney Bowes Bank Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Pitney Bowes Bank Inc. rankings
Its closest position to the top of a national ranking is 10 of 3,611, for ROA; its furthest is 2,092 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 5.16% (Q4 2024) to 6.42% (Q4 2025) and its net interest margin ran from 6.60% (Q3 2024) to 7.81% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.37% | 5.18% | 0.44% | 2.41% | 7.21% |
| Q1 2026 | 11.98% | 5.30% | 0.45% | 2.47% | 7.81% |
| Q4 2025 | 12.52% | 6.42% | 0.37% | 2.07% | 7.55% |
| Q3 2025 | 12.30% | 6.25% | 0.36% | 2.03% | 7.61% |
| Q2 2025 | 12.07% | 6.05% | 0.42% | 2.29% | 7.05% |
| Q1 2025 | 11.34% | 5.93% | 0.37% | 2.07% | 7.19% |
| Q4 2024 | 10.89% | 5.16% | 0.39% | 2.02% | 7.04% |
| Q3 2024 | 10.12% | 5.47% | 0.49% | 2.30% | 6.60% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Pitney Bowes Bank, Inc. | Salt Lake City , UT | 84111 | $676.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in UT, rank 36 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Pitney Bowes Bank Inc.
What are The Pitney Bowes Bank Inc.'s total assets?
As of the Q2 2026 filing, The Pitney Bowes Bank Inc. reported total assets of $796.3 million in its FFIEC call report.
Where is The Pitney Bowes Bank Inc. headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was The Pitney Bowes Bank Inc. founded?
It was established in 1998, per the FDIC institution directory.
Is The Pitney Bowes Bank Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Pitney Bowes Bank Inc.?
The Pitney Bowes Bank Inc.'s primary federal regulator is the FDIC.
How many branches does The Pitney Bowes Bank Inc. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Pitney Bowes Bank Inc.'s Texas Ratio?
Its Texas Ratio is 2.41% in its Q2 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 non-performing assets against the bank's capital and reserves.
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