BlastPoint's Banking Scorecard
First Utah Bank
Community
Specialty: Commercial
UT
FDIC cert 22738
Salt Lake City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
First Utah Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.00% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.02% above tier
- - Nonperforming Asset Ratio 3.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$845.5M
-3.3% YoY
-1.2% QoQ
|
-$545.9M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$654.3M
-1.3% YoY
-1.3% QoQ
|
-$321.2M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$734.4M
+0.4% YoY
-0.0% QoQ
|
-$430.2M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.13%
+17.6% YoY
-4.9% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.67%
-1.2% YoY
+1.2% QoQ
|
+1.00% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
62.57%
+0.2% YoY
+1.6% QoQ
|
-0.06% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
4.65%
+302.8% YoY
+46.9% QoQ
|
+4.02% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
89.09%
-1.7% YoY
-1.3% QoQ
|
+6.03% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
20.28%
-8.9% YoY
-0.8% QoQ
|
-0.77% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
3.60%
+165.5% YoY
+46.8% QoQ
|
+3.10% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.73%
+8.5% YoY
+5.5% QoQ
|
+1.49% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.69%
+13.2% YoY
+15.4% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Community
Why this stands out
Current:
4.67%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.65%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.60%
(Tier avg: 0.50%, National avg: 0.48%)
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
90
90th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 21.05%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 62.63%
46
46th pctile
Total Loans
Current: $654.3M · Tier avg: $975.5M
44
44th pctile
Tier 1 Capital Ratio
Current: 11.73% · Tier avg: 10.24%
41
41th pctile
Total Deposits
Current: $734.4M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $845.5M · Tier avg: $1.4B
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.09% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 4.65% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.60% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.60% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.65% · Tier avg: 0.63%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.09% · Tier avg: 83.06%
39
39th pctile
Total Assets
Current: $845.5M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $734.4M · Tier avg: $1.2B
44
44th pctile
Tier 1 Capital Ratio
Current: 11.73% · Tier avg: 10.24%
46
46th pctile
Total Loans
Current: $654.3M · Tier avg: $975.5M
49
49th pctile
Efficiency Ratio
Current: 62.57% · Tier avg: 62.63%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.28% · Tier avg: 21.05%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
90
90th pctile
Net Interest Margin
Current: 4.67% · Tier avg: 3.66%