BlastPoint's Banking Scorecard
Bank of Utah
Community
Specialty: Commercial
UT
FDIC cert 17159
Ogden, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Bank of Utah faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.6B
+7.8% YoY
-3.8% QoQ
|
+$2.2B |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.8B
+8.7% YoY
+0.2% QoQ
|
+$1.9B |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$2.9B
+11.2% YoY
-3.2% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.35%
+5.2% YoY
+0.2% QoQ
|
+0.18% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.44%
+6.8% YoY
+2.0% QoQ
|
-0.23% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
57.66%
+3.1% YoY
+2.0% QoQ
|
-4.97% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? | 0.29% | -0.34% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
99.46%
-2.2% YoY
+3.6% QoQ
|
+16.40% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.96%
+5.9% YoY
-7.3% QoQ
|
+5.92% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? | 0.23% | -0.27% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
16.41%
+1.3% YoY
+1.9% QoQ
|
+6.16% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.78%
-0.8% YoY
+49.0% QoQ
|
+0.04% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Overhang
risk
#66 of 268 · Bottom 24% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.41%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
99.46%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M
95
95th pctile
Total Assets
Current: $3.6B · Tier avg: $1.4B
94
94th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
85
85th pctile
Tier 1 Capital Ratio
Current: 16.41% · Tier avg: 10.24%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.96% · Tier avg: 21.05%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
65
65th pctile
Efficiency Ratio
Current: 57.66% · Tier avg: 62.63%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.46% · Tier avg: 83.06%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.46% · Tier avg: 83.06%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
65
65th pctile
Efficiency Ratio
Current: 57.66% · Tier avg: 62.63%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.96% · Tier avg: 21.05%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.41% · Tier avg: 10.24%
94
94th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.6B · Tier avg: $1.4B
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M