BlastPoint's Banking Scorecard
Utah Independent Bank
Micro
Specialty: Commercial
UT
FDIC cert 22514
Designations: ✓ Community bank
Salina, UT
2498
banks in Micro tier nationally
9 in UT
View Micro leaderboard (UT) →
Utah Independent Bank shows strong momentum with 2 strengths and 5.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.49% above tier
- + Net Interest Margin 2.80% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.2M
+5.3% YoY
+0.2% QoQ
|
-$57.3M |
$217.5M
+2.3% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$109.2M
+15.5% YoY
+4.9% QoQ
|
-$30.0M |
$139.2M
+2.8% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$135.2M
+4.2% YoY
+1.0% QoQ
|
-$48.5M |
$183.7M
+1.8% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
2.58%
-16.4% YoY
-3.3% QoQ
|
+1.49% |
1.08%
+14.7% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
6.65%
+1.6% YoY
+2.4% QoQ
|
+2.80% |
3.85%
+6.6% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
50.33%
+2.1% YoY
+8.8% QoQ
|
-17.40% |
67.73%
-4.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.51%
-85.6% YoY
-26.1% QoQ
|
-0.13% |
0.64%
+24.4% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
80.80%
+10.8% YoY
+3.8% QoQ
|
+6.27% |
74.53%
+0.5% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
35.74%
+6.0% YoY
-1.5% QoQ
|
+13.34% |
22.39%
-1.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.35%
-84.2% YoY
-22.6% QoQ
|
-0.11% |
0.45%
+25.1% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.39%
-15.2% YoY
+26.0% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.58%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.65%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
99
99th pctile
Net Interest Margin
Current: 6.65% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.58% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.33% · Tier avg: 67.73%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.74% · Tier avg: 22.39%
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
46
46th pctile
Total Loans
Current: $109.2M · Tier avg: $139.2M
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
41
41th pctile
Total Assets
Current: $160.2M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $135.2M · Tier avg: $183.7M
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.80% · Tier avg: 74.53%
Top Weaknesses
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.80% · Tier avg: 74.53%
41
41th pctile
Total Deposits
Current: $135.2M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $160.2M · Tier avg: $217.5M
45
45th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.64%
46
46th pctile
Total Loans
Current: $109.2M · Tier avg: $139.2M
46
46th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.74% · Tier avg: 22.39%
89
89th pctile
Efficiency Ratio
Current: 50.33% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.58% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.65% · Tier avg: 3.85%