Transportation Alliance Bank, Inc. dba Tab Bank
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Data as of · sourced from FFIEC call reports. How we update
Transportation Alliance Bank, Inc. dba Tab Bank is an FDIC-insured commercial bank headquartered in Ogden, UT, established in 1998 (FDIC certificate 34781), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.59B, down 3.2% from Q2 2025, the 27th largest of 44 banks headquartered in Utah. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.74% 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
- 34781
- Headquarters
- Ogden, UT
- Established
- 1998
- Total assets, Q2 2026
- $1.59B
- Assets vs Q2 2025
- -3.2%
- Tier 1 leverage ratio, Q2 2026
- 11.74%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124384657
- Latest call report
- Q2 2026, FFIEC 051 · Transportation Alliance Bank, Inc. dba Tab Bank call report
- Holding company
- TAB BANK HOLDINGS, INC.
- Asset rank in state
- 27th of 44 in Utah
Transportation Alliance Bank, Inc. dba Tab Bank earns an unusually wide margin on its lending. Based in Ogden, Utah, it had $1.6 billion in assets at June 30, 2026, down 3.2% from a year earlier. It keeps 6.61 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it pays an average of 3.37% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $6.0 million, 193% 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 1.79% of loans, down from 2.73% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Transportation Alliance Bank, Inc. dba Tab Bank reported a return on assets of 1.50%, a nonperforming-loan ratio of 1.79% and a Texas ratio of 11.30%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Transportation Alliance Bank, Inc. dba Tab Bank is the 27th largest of the 44 banks headquartered in Utah. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 2.1% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 58.8% of total loans, followed by construction and land development loans at 13.8%. The FDIC Summary of Deposits lists a single office for it, in Ogden, UT. By the capital ratios in its Q2 2026 call report, Transportation Alliance Bank, Inc. dba Tab Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4185 Harrison Blvd, Ogden, UT 84403
- County
- Weber
- 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 051
- Established
- October 1, 1998
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 297
- Domestic deposits
- $1.38B
- Allowance for credit losses
- $18.7M
- Net charge-offs (YTD)
- $14.0M
- Average total assets
- $1.59B
- Average total loans
- $1.22B
- Average interest-bearing deposits
- $1.37B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 1, 1998
- FDIC Cert
- 34781
- Fed RSSD
- 2736219
- Website
- www.TABBANK.COM →
- Parent Holding Company
- TAB BANK HOLDINGS, INC. (RSSD 4748766)
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, Transportation Alliance Bank, Inc. dba Tab Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Transportation Alliance Bank, Inc. dba Tab Bank's total assets ranged from $1.37B (Q3 2023) to $1.64B (Q2 2025), 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
$1.59B total assets against $1.64B; $1.41B total liabilities against $1.48B.
$1.23B net loans and leases against $1.28B; $1.38B total deposits against $1.37B.
$148.6M securities against $133.2M; $125.6M cash and balances due against $133.6M.
$36.8M total interest income against $40.8M; $11.7M total interest expense against $14.3M.
$25.1M net interest income against $26.4M.
$4.2M total noninterest income against $5.5M; $17.4M total noninterest expense against $19.6M.
$3.9M provision for credit losses against $9.8M.
$6.0M net income against $2.0M.
1.50% return on assets against 0.49%; 6.61% net interest margin against 6.85%.
11.74% tier 1 leverage ratio against 10.23%.
Inside the full Transportation Alliance Bank, Inc. dba Tab Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTransportation Alliance Bank, Inc. dba Tab Bank rankings
Its closest position to the top of a national ranking is 524 of 3,640, for Texas Ratio; its furthest is 821 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.43% (Q4 2024) to 1.50% (Q2 2026) and its net interest margin ran from 6.39% (Q1 2026) to 7.26% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.74% | 1.50% | 1.79% | 11.30% | 6.61% |
| Q1 2026 | 11.27% | 0.59% | 2.03% | 12.78% | 6.39% |
| Q4 2025 | 10.79% | 1.09% | 2.52% | 15.91% | 6.52% |
| Q3 2025 | 10.54% | 0.99% | 3.10% | 21.92% | 6.95% |
| Q2 2025 | 10.23% | 0.49% | 2.73% | 20.50% | 6.85% |
| Q1 2025 | 10.36% | 1.14% | 3.39% | 26.55% | 7.01% |
| Q4 2024 | 10.14% | 0.43% | 2.44% | 19.47% | 7.17% |
| Q3 2024 | 10.36% | 0.99% | 2.13% | 18.40% | 7.26% |
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 |
|---|---|---|---|
| Transportation Alliance Bank, Inc. dba Tab Bank (main office) | Ogden , UT | 84403 | $1.38B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in UT, rank 30 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $2.0M approved, $505K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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 Transportation Alliance Bank, Inc. dba Tab Bank
What are Transportation Alliance Bank, Inc. dba Tab Bank's total assets?
As of the Q2 2026 filing, Transportation Alliance Bank, Inc. dba Tab Bank reported total assets of $1.59 billion in its FFIEC call report.
Where is Transportation Alliance Bank, Inc. dba Tab Bank headquartered?
It is headquartered in Ogden, UT, United States.
When was Transportation Alliance Bank, Inc. dba Tab Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Transportation Alliance Bank, Inc. dba Tab Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34781). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Transportation Alliance Bank, Inc. dba Tab Bank?
Transportation Alliance Bank, Inc. dba Tab Bank's primary federal regulator is the FDIC.
How many branches does Transportation Alliance Bank, Inc. dba Tab 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 Transportation Alliance Bank, Inc. dba Tab Bank's Texas Ratio?
Its Texas Ratio is 11.30% 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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