BlastPoint's Banking Scorecard
Transportation Alliance Bank, Inc. d/b/a TAB Bank
Community
Specialty: Commercial
UT
FDIC cert 34781
Ogden, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Transportation Alliance Bank, Inc. d/b/a TAB Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 49% in Community
- + Net Interest Margin 3.28% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16% in Community
- - Flatlined Growth: Bottom 34% in Community
- - Delinquency Rate 1.94% above tier
- - Non-Interest-Bearing Deposit Share 20.61% below tier
- - Nonperforming Asset Ratio 1.44% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+0.3% YoY
-1.7% QoQ
|
+$209.8M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.2B
-1.1% YoY
-4.6% QoQ
|
+$231.8M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.4B
+1.9% YoY
-2.3% QoQ
|
+$229.1M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.94%
+115.1% YoY
+6.7% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
6.94%
-6.2% YoY
-0.6% QoQ
|
+3.28% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
56.99%
-6.1% YoY
+0.6% QoQ
|
-5.64% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
2.57%
+2.9% YoY
-19.0% QoQ
|
+1.94% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
86.62%
-2.9% YoY
-2.4% QoQ
|
+3.56% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
0.44%
+11.7% YoY
+29.9% QoQ
|
-20.61% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
1.94%
-13.2% YoY
-26.3% QoQ
|
+1.44% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.31%
+50.0% YoY
+26.0% QoQ
|
+0.57% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#184 of 371 · Top 49% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.31%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
6.94%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (5)
Capital Thin
risk
#70 of 432 · Bottom 16% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#84 of 245 · Bottom 34% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.57%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.44%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.94%
(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
99
99th pctile
Net Interest Margin
Current: 6.94% · Tier avg: 3.66%
91
91th pctile
Non-Interest Income / Assets
Current: 1.31% · Tier avg: 0.74%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
67
67th pctile
Efficiency Ratio
Current: 56.99% · Tier avg: 62.63%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.62% · Tier avg: 83.06%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.57% · Tier avg: 0.63%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.44% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.44% · Tier avg: 21.05%
6
6th pctile
Delinquency Rate
Current: 2.57% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.94% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.62% · Tier avg: 83.06%
67
67th pctile
Efficiency Ratio
Current: 56.99% · Tier avg: 62.63%
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
91
91th pctile
Non-Interest Income / Assets
Current: 1.31% · Tier avg: 0.74%
99
99th pctile
Net Interest Margin
Current: 6.94% · Tier avg: 3.66%