Utah Independent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Utah Independent Bank of Salina, UT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.53% | 1.34% | +2.19% | 98th top |
| ROAE | 22.96% | 13.31% | +9.65% | 93rd top |
| Net Interest Margin | 6.68% | 3.93% | +2.75% | 99th top |
| Efficiency Ratio | 41.33% | 61.14% | -19.81% | 94th top |
| PPNR / Avg Assets | 3.94% | 1.68% | +2.26% | 98th top |
| Yield on Earning Assets | 7.96% | 5.67% | +2.29% | 99th top |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 5.76% | 3.32% | +2.44% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.71% | 0.94% | +1.77% | 8th bottom |
| NPA / Total Assets | 1.92% | 0.70% | +1.22% | 8th bottom |
| NCO / Avg Loans | -0.06% | 0.16% | -0.22% | 95th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.28% | -0.08% | 51st above |
| ACL / NPLs (Coverage) | 44.28% | 1538.94% | -1494.66% | 9th bottom |
| Texas Ratio | 12.06% | 7.33% | +4.73% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.31% | 12.14% | +4.17% | 91st top |
| Equity / Assets | 15.12% | 11.37% | +3.75% | 89th top |
| TCE / Tangible Assets | 15.12% | 11.09% | +4.03% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.58% | 80.64% | +3.94% | 41st below |
| Core Deposit Ratio | 91.32% | 86.86% | +4.46% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.84% | 6.85% | +0.99% | 74th above |
| Loan Growth (Y/Y) | 18.56% | 7.90% | +10.66% | 91st top |
| Deposit Growth (Y/Y) | 6.89% | 6.29% | +0.60% | 70th above |
See Utah Independent Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Utah Independent Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Utah Independent Bank profile, how to read a UBPR, or how this data updates.