First Utah Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 7.08% from 6.57% in the prior period. First Utah Bank is the primary bank subsidiary of its parent holding company, headquartered in Salt Lake City, UT, in the Salt Lake City metropolitan region. On its most recent Q2 2026 call report, First Utah reported $840M in total assets against $689M in deposits. Returns are in line with industry norms at 0.71% ROA and 7.04% ROE; net interest margin is 4.63%. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.22% exceeds the CBLR threshold. Credit metrics show stress, 7.08% NPLs and a 48.05% Texas Ratio above the 100% historical failure threshold. 7 branches make up the footprint.
As of June 30, 2026, First Utah Bank reported a Tier 1 leverage ratio of 10.22%, a return on assets of 0.71%, a nonperforming-loan ratio of 7.08%, a Texas ratio of 48.05%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3826 S 2300 E, Salt Lake City, UT 84109
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, 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 19, 1978
- Offices
- 7 domestic
- Employees (FTE)
- 110
- Domestic deposits
- $688.5M
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $3.4M
- Average total assets
- $841.8M
- Average total loans
- $619.0M
- Average interest-bearing deposits
- $559.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 19, 1978
- FDIC Cert
- 22738
- Fed RSSD
- 207872
- SEC CIK
- 1466584 → filed by FIRST UTAH BANCORPORATION
- Website
- www.firstutahbank.com →
- Parent Holding Company
- FIRST UTAH BANCORPORATION (RSSD 1027992)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Utah Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Utah Bank, freeWatch 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Utah Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Utah Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.22% | 0.71% | 7.08% | 48.05% | 4.63% |
| Q1 2026 | 9.99% | 0.77% | 6.57% | 47.33% | 4.33% |
| Q4 2025 | 9.58% | 0.95% | 5.10% | 37.37% | 4.78% |
| Q3 2025 | 9.37% | 1.34% | 3.72% | 28.18% | 4.72% |
| Q2 2025 | 9.12% | 0.86% | 3.82% | 29.56% | 4.36% |
| Q1 2025 | 9.00% | 1.39% | 1.57% | 12.35% | 4.64% |
| Q4 2024 | 9.21% | 1.04% | 1.17% | 14.81% | 4.84% |
| Q3 2024 | 9.48% | 0.61% | 0.92% | 12.06% | 4.66% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Utah Bank (main office) | Salt Lake City , UT | 84109 | $226.1M |
| Sandy Branch | Sandy , UT | 84070 | $138.8M |
| Midvale Branch | Midvale , UT | 84047 | $91.2M |
| City Center Branch | Salt Lake City , UT | 84115 | $86.1M |
| Riverton Office | Riverton , UT | 84096 | $72.8M |
| International Branch | West Valley City , UT | 84119 | $44.9M |
| Lehi Branch | Lehi , UT | 84043 | $28.7M |
Regulatory record
What the public regulatory sources show for First Utah Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- September 23, 2009, Federal Reserve: Written Agreement: First Utah Bank, Salt Lake City, Utah
- Period: Most recent institution action September 23, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in UT, rank 35 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1 applications, 1 loans originated, $18.3M originated, across 1 states
- Period: Calendar year 2021. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Utah Bank
What are First Utah Bank's total assets?
As of the Q2 2026 filing, First Utah Bank reported total assets of $840.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Utah Bank headquartered?
First Utah Bank is headquartered in Salt Lake City, UT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Utah Bank founded?
First Utah Bank was established in 1978, per the FDIC institution directory.
Is First Utah Bank FDIC-insured?
Yes. First Utah Bank is an FDIC-insured commercial bank (FDIC Certificate #22738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Utah Bank?
First Utah Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Utah Bank operate?
First Utah Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Utah Bank's Texas Ratio?
First Utah Bank's Texas Ratio is 48.05% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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