Quill Bank — Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter — CET1 ratio of 16.08% was down 121bps from the prior quarter. Asset quality shifted last quarter — NPLs rose to 3.66% from 2.12% in the prior period. Quill Bank is the primary bank subsidiary of its parent holding company, headquartered in Provo, UT. Quill's Q1 2026 balance sheet shows $1.5B in assets funded primarily by $1.3B in customer deposits. Returns are notably above industry norms: 5.25% ROA, 37.13% ROE, and 16.76% NIM. Regulatory capital is solid — 16.08% CET1 and 17.36% total risk-based capital ratio. Credit metrics show stress — 3.66% NPLs and a 17.50% Texas Ratio above the 100% historical failure threshold. It operates 7 branches, primarily in Utah.
Headquarters Profile
- Address
- 3280 N University Ave , PROVO , UT 84604
- County
- Utah
- Metro Area
- PROVO-OREM-LEHI, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 14
- Established
- July 29, 1993
- Branches
- 7 domestic
- Employees (FTE)
- 248
- FDIC Cert
- 33823
- Fed RSSD
- 2068107
- Website
- https://www.ccbank.com →
- Parent Holding Company
- QUILL FINANCIAL, INC. (RSSD 2641621)
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
Commercial real estate loans are between 200% and 300% of total capital — approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Quill Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 6 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Main Office Branch | Pleasant Grove , UT | 84062 | $743.0M |
| Capital Community Bank | Provo , UT | 84604 | $80.7M |
| Sandy Branch | Sandy , UT | 84094 | $77.7M |
| Salem Office | Salem , UT | 84653 | $39.4M |
| Orem Office | Orem , UT | 84058 | $32.5M |
| St. George Branch | Saint George , UT | 84770 | $28.4M |
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Frequently asked about Quill Bank
What are Quill Bank's total assets?
As of the Q1 2026 filing, Quill Bank reported total assets of $1.50 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Quill Bank headquartered?
Quill Bank is headquartered in PROVO, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Quill Bank founded?
Quill Bank was established in 1993, per the FDIC institution directory.
Is Quill Bank FDIC-insured?
Yes. Quill Bank is an FDIC-insured commercial bank (FDIC Certificate #33823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Quill Bank?
Quill Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Quill Bank's CET1 capital ratio?
Quill Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.08% in its most recent quarterly filing — comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Quill Bank operate?
Quill Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Quill Bank's Texas Ratio?
Quill Bank's Texas Ratio is 17.50% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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