BlastPoint's Banking Scorecard
Prime Alliance Bank
Community
Specialty: Commercial
UT
FDIC cert 57920
Woods Cross, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Prime Alliance Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12% in Community
- + Net Interest Margin 1.07% above tier
- + Efficiency Ratio 41.66% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.41% above tier
- - Non-Interest-Bearing Deposit Share 17.30% below tier
- - Nonperforming Asset Ratio 1.06% above tier
- - Non-Interest Income / Assets 0.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+27.3% YoY
+0.7% QoQ
|
-$318.1M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$823.8M
+27.9% YoY
-1.8% QoQ
|
-$151.7M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$968.3M
+26.6% YoY
-0.0% QoQ
|
-$196.3M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
2.43%
+15.9% YoY
+8.1% QoQ
|
+1.26% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.73%
+13.8% YoY
+2.9% QoQ
|
+1.07% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
20.97%
-7.5% YoY
-0.4% QoQ
|
-41.66% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
2.03%
+67.2% YoY
-16.4% QoQ
|
+1.41% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
85.08%
+1.0% YoY
-1.7% QoQ
|
+2.01% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
3.75%
+0.1% YoY
+10.6% QoQ
|
-17.30% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
1.56%
+68.0% YoY
-18.4% QoQ
|
+1.06% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
11.44%
-0.3% YoY
+9.7% QoQ
|
+1.20% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.01%
-36.3% YoY
+42.6% QoQ
|
-0.73% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#47 of 371 · Top 12% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.43%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 8%
in Community
Why this stands out
Current:
4.73%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
20.97%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (4)
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.03%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
3.75%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
1.56%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Efficiency Ratio
Current: 20.97% · Tier avg: 62.63%
97
97th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.66%
59
59th pctile
Total Loans
Current: $823.8M · Tier avg: $975.5M
57
57th pctile
Total Deposits
Current: $968.3M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.08% · Tier avg: 83.06%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.56% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.75% · Tier avg: 21.05%
0
0th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.74%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.74%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.75% · Tier avg: 21.05%
9
9th pctile
Delinquency Rate
Current: 2.03% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.56% · Tier avg: 0.50%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.44% · Tier avg: 10.24%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.08% · Tier avg: 83.06%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $968.3M · Tier avg: $1.2B
59
59th pctile
Total Loans
Current: $823.8M · Tier avg: $975.5M
92
92th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.66%
97
97th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.16%
100
100th pctile
Efficiency Ratio
Current: 20.97% · Tier avg: 62.63%