Utah Independent 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: 21.05 percentage points lower than in Q1 2026, at 44.28%. Within Utah, Utah Independent Bank is 10th of 44 on return on assets, 3.53% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Utah Independent Bank reported 3.53% on return on assets in Q2 2026, 2.28 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.31% |
| Equity capital to assets | 15.12% |
| Tangible equity to tangible assets | 15.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.71% |
| Non-performing assets ratio | 1.92% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 12.06% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 44.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.53% |
| Return on equity | 22.96% |
| Net interest margin | 6.68% |
| Efficiency ratio | 41.33% |
| Yield on earning assets | 7.96% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.58% |
| Core deposits to total deposits | 91.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.80% |
| Securities to assets | 10.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.66% | 4.02% | 6.44% | 0.07% | -0.01% |
| Q4 2023 | 14.04% | 1.81% | 6.20% | 0.41% | 0.21% |
| Q1 2024 | 14.96% | 3.31% | 6.42% | 0.02% | 0.14% |
| Q2 2024 | 15.07% | 3.61% | 6.06% | 2.95% | -0.04% |
| Q3 2024 | 15.68% | 3.22% | 6.37% | 2.78% | 0.22% |
| Q4 2024 | 14.00% | 2.04% | 6.34% | 3.49% | -0.03% |
| Q1 2025 | 14.96% | 3.42% | 6.32% | 3.39% | -0.08% |
| Q2 2025 | 14.82% | 1.55% | 6.35% | 3.30% | 0.00% |
| Q3 2025 | 15.45% | 2.97% | 6.65% | 0.68% | 3.43% |
| Q4 2025 | 14.71% | 2.27% | 6.88% | 0.50% | 0.37% |
| Q1 2026 | 15.89% | 3.46% | 7.02% | 1.78% | -0.09% |
| Q2 2026 | 16.31% | 3.53% | 6.68% | 2.71% | -0.06% |
Utah Independent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Utah Independent 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 Utah Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22514) · FFIEC NIC profile (RSSD 256179)