Utah Independent Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.04 percentage points higher than in Q1 2026, at 123.26%. Within Utah, Utah Independent Bank is 26th of 44 on loan-to-deposit ratio, 84.58% as of Q2 2026, below the middle of the field. Utah Independent Bank reported 84.58% on loan-to-deposit ratio for Q2 2026, 3.74 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $121.1M |
| Net loans and leases | $119.7M |
| Loans held for sale | $0 |
| Loans to total assets | 70.88% |
| Loan-to-deposit ratio | 84.58% |
| Net loans to equity capital | 4.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.25% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 15.32% |
| Consumer | 3.75% |
| Credit cards | 0.00% |
| Farm | 6.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 123.26% |
| Construction concentration (Tier 1 capital + allowance) | 96.43% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $77.9M | $114.9M | 20.40% | 22.78% | 5.93% |
| Q4 2023 | $80.9M | $112.5M | 20.75% | 21.78% | 6.19% |
| Q1 2024 | $88.7M | $122.5M | 25.93% | 20.45% | 5.65% |
| Q2 2024 | $93.9M | $122.0M | 25.13% | 21.24% | 5.09% |
| Q3 2024 | $95.5M | $127.3M | 25.41% | 20.12% | 4.93% |
| Q4 2024 | $95.8M | $129.7M | 25.32% | 19.90% | 4.90% |
| Q1 2025 | $100.1M | $135.9M | 26.42% | 18.15% | 4.61% |
| Q2 2025 | $102.2M | $134.0M | 26.13% | 17.89% | 4.43% |
| Q3 2025 | $105.3M | $133.8M | 25.27% | 18.10% | 4.22% |
| Q4 2025 | $110.3M | $135.2M | 27.49% | 18.27% | 4.32% |
| Q1 2026 | $109.7M | $136.5M | 28.64% | 14.94% | 4.23% |
| Q2 2026 | $121.1M | $143.2M | 28.25% | 15.32% | 3.75% |
Utah Independent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Utah Independent Bank, freeSource: Call Report Schedule RC-C, 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 Utah Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22514) · FFIEC NIC profile (RSSD 256179)