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Bank Of Utah
Ogden, UT · FDIC Certificate #17159 · Chartered 02/0
Total assets
$3.79B
Total deposits
$2.95B
Total equity
$465.46M
Net loans
$2.93B
Branches (offices)
19
Net income (YTD)
$24.08M
Rank: #350 of 4,213 U.S. banks by assets · #18 of 44 in Utah. Assets changed 6.7% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 10.55% |
| Net interest margin (YTD) | 3.53% |
| Equity to assets | 12.30% |
| Tier 1 leverage ratio | 12.74% |
| Uninsured deposits (share of deposits) | 46.4% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 99.2% |
| Real estate loans (share of loans) | 66.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.94B | 66.2% | |
| Commercial & industrial | $117.98M | 4.0% | |
| Consumer / individual | $8.36M | 0.3% | |
| Construction & development | $442.58M | 15.1% | |
| Agricultural | $1.67M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.22B | $1.89B | $15.20M | $241.67M |
| Jun 2023 | $2.67B | $2.07B | $20.99M | $352.42M |
| Jun 2024 | $3.28B | $2.59B | $20.03M | $386.80M |
| Jun 2025 | $3.55B | $2.81B | $21.36M | $424.08M |
| Jun 2026 | $3.79B | $2.95B | $24.08M | $465.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $2.95B | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.95B.
Similar-sized banks
Bravera Bank ($3.81B) · Bank Of The Sierra ($3.72B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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