Prime Alliance Bank
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Data as of · sourced from FFIEC call reports. How we update
Prime Alliance Bank is an FDIC-insured commercial bank headquartered in Woods Cross, UT, established in 2004 (FDIC certificate 57920), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.09B, up 11.6% from Q2 2025, the 29th largest of 44 banks headquartered in Utah. Its CET1 capital ratio was 12.73% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57920
- Headquarters
- Woods Cross, UT
- Established
- 2004
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +11.6%
- CET1 ratio, Q2 2026
- 12.73%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124303081
- Asset rank in state
- 29th of 44 in Utah
Prime Alliance Bank is one of the more profitable banks of its size. It reported $1.1 billion in assets at June 30, 2026, up 11.6% from a year earlier. It earns about $3.25 a year on every $100 of assets, 2.5 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.88 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $8.7 million, 76% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.60% of loans, down from 2.17% a year earlier. Funding is the softer spot: it pays an average of 3.71% on its deposits and borrowings, about double the median of 2.01% for banks its size.
As of June 30, 2026, Prime Alliance Bank reported a CET1 capital ratio of 12.73%, a return on assets of 3.25%, a nonperforming-loan ratio of 1.60% and a Texas ratio of 9.94%. The figures come from its call report filed with the FFIEC.
Prime Alliance Bank ranks as the 29th largest of the 44 banks based in Utah, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $1.09B, loans rose 4.5% and deposits rose 2.2%. Commercial and industrial loans made up 65.2% of its total loans on June 30, 2026, its largest category; next came leases at 31.0%. Its one office in the FDIC Summary of Deposits is in Woods Cross, UT. On its Q2 2026 call report, Prime Alliance Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1868 S 500 W, Woods Cross, UT 84010
- County
- Davis
- Metro Area
- Ogden, 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 041
- Established
- December 8, 2004
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $966.1M
- Allowance for credit losses
- $25.6M
- Net charge-offs (YTD)
- $5.9M
- Average total assets
- $1.07B
- Average total loans
- $552.1M
- Average interest-bearing deposits
- $930.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 8, 2004
- FDIC Cert
- 57920
- Fed RSSD
- 3309571
- Website
- www.primealliance.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Prime Alliance Bank's total assets moved between a low of $724.9M (Q3 2023) and a high of $1.09B (Q2 2026) 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
$1.09B total assets against $972.9M; $969.5M total liabilities against $889.2M.
$858.6M net loans and leases against $769.2M; $966.1M total deposits against $886.1M.
$175.0M securities against $151.9M; $40.2M cash and balances due against $42.4M.
$22.0M total interest income against $19.4M; $8.9M total interest expense against $8.5M.
$13.2M net interest income against $10.8M.
$17K total noninterest income against $13K; $2.5M total noninterest expense against $2.3M.
$2.0M provision for credit losses against $3.6M.
$8.7M net income against $4.9M.
3.25% return on assets against 2.11%; 4.88% net interest margin against 4.60%.
12.73% CET1 capital ratio against 10.37%; 11.53% tier 1 leverage ratio against 9.90%.
Inside the full Prime Alliance Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePrime Alliance Bank rankings
Its closest position to the top of a national ranking is 12 of 3,606, for efficiency ratio; its furthest is 1,488 of 2,134, for CET1 ratio.
Metric pages for Prime Alliance Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q4 2024) to 3.65% (Q1 2026) and its net interest margin ran from 4.05% (Q3 2024) to 4.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.73% | 3.25% | 1.60% | 9.94% | 4.88% |
| Q1 2026 | 12.59% | 3.65% | 1.72% | 10.40% | 4.86% |
| Q4 2025 | 11.44% | 2.83% | 1.97% | 12.82% | 4.82% |
| Q3 2025 | 10.43% | 2.67% | 2.34% | 16.28% | 4.70% |
| Q2 2025 | 10.37% | 2.11% | 2.17% | 15.41% | 4.60% |
| Q1 2025 | 11.13% | 1.88% | 2.14% | 14.46% | 4.08% |
| Q4 2024 | 11.48% | 0.92% | 1.18% | 8.01% | 4.15% |
| Q3 2024 | 13.35% | 2.13% | 1.76% | 10.44% | 4.05% |
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 |
|---|---|---|---|
| Prime Alliance Bank (main office) | Woods Cross , UT | 84010 | $966.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in UT, rank 33 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Prime Alliance Bank
What are Prime Alliance Bank's total assets?
As of the Q2 2026 filing, Prime Alliance Bank reported total assets of $1.09 billion in its FFIEC call report.
Where is Prime Alliance Bank headquartered?
It is headquartered in Woods Cross, UT, United States.
When was Prime Alliance Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Prime Alliance Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57920). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prime Alliance Bank?
Prime Alliance Bank's primary federal regulator is the FDIC.
What is Prime Alliance Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.73% in its Q2 2026 call report, above regulatory requirements.
How many branches does Prime Alliance Bank 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 Prime Alliance Bank's Texas Ratio?
Its Texas Ratio is 9.94% 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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