Prime Alliance 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.00 percentage points lower than in Q1 2026, at 181.06%. Prime Alliance Bank ranks 12th of 44 Utah banks on return on assets, in the upper half at 3.25% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Prime Alliance Bank reported 3.25% on return on assets in Q2 2026, 1.97 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.73% |
| Tier 1 risk-based capital ratio | 12.73% |
| Total risk-based capital ratio | 14.00% |
| Tier 1 leverage ratio | 11.53% |
| Equity capital to assets | 10.73% |
| Tangible equity to tangible assets | 10.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.60% |
| Non-performing assets ratio | 1.30% |
| Net charge-off ratio | 3.86% |
| Texas ratio | 9.94% |
| Allowance for credit losses to loans | 2.89% |
| Reserve coverage of non-performing loans | 181.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.25% |
| Return on equity | 30.59% |
| Net interest margin | 4.88% |
| Efficiency ratio | 18.76% |
| Yield on earning assets | 8.15% |
| Cost of funds | 3.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.52% |
| Core deposits to total deposits | 75.24% |
| Brokered deposits to total deposits | 14.98% |
| Deposits to assets | 88.96% |
| Securities to assets | 16.12% |
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 | 11.34% | 11.34% | 12.62% | 10.35% | 0.05% |
| Q4 2023 | 12.15% | 12.15% | 13.43% | 10.38% | 2.35% |
| Q1 2024 | 12.76% | 12.76% | 14.04% | 10.96% | 3.14% |
| Q2 2024 | 12.79% | 12.79% | 14.07% | 11.35% | 2.29% |
| Q3 2024 | 13.35% | 13.35% | 14.63% | 10.89% | 2.13% |
| Q4 2024 | 11.48% | 11.48% | 12.75% | 10.47% | 0.92% |
| Q1 2025 | 11.13% | 11.13% | 12.41% | 10.02% | 1.88% |
| Q2 2025 | 10.37% | 10.37% | 11.64% | 9.90% | 2.11% |
| Q3 2025 | 10.43% | 10.43% | 11.70% | 9.70% | 2.67% |
| Q4 2025 | 11.44% | 11.44% | 12.71% | 9.92% | 2.83% |
| Q1 2026 | 12.59% | 12.59% | 13.86% | 11.10% | 3.65% |
| Q2 2026 | 12.73% | 12.73% | 14.00% | 11.53% | 3.25% |
Prime Alliance Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prime Alliance 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 Prime Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57920) · FFIEC NIC profile (RSSD 3309571)