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First Utah Bank
Salt Lake City, UT · FDIC Certificate #22738 · Chartered 10/1
Total assets
$840.30M
Total deposits
$688.55M
Total equity
$85.42M
Net loans
$625.15M
Branches (offices)
7
Net income (YTD)
$3.13M
Rank: #1,204 of 4,213 U.S. banks by assets · #32 of 44 in Utah. Assets changed -2.7% and deposits -3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 7.43% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 10.17% |
| Tier 1 leverage ratio | 10.22% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 6.39% |
| Net charge-offs (share of loans) | 1.04% |
| Loans to deposits | 90.8% |
| Real estate loans (share of loans) | 78.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $490.14M | 78.4% | |
| Commercial & industrial | $109.45M | 17.5% | |
| Consumer / individual | $406.00K | 0.1% | |
| Construction & development | $73.55M | 11.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $681.07M | $586.26M | $5.01M | $61.98M |
| Jun 2023 | $687.25M | $575.08M | $4.28M | $67.75M |
| Jun 2024 | $752.66M | $625.43M | $4.15M | $72.97M |
| Jun 2025 | $863.28M | $710.41M | $4.80M | $79.16M |
| Jun 2026 | $840.30M | $688.55M | $3.13M | $85.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Utah | $688.55M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $688.55M.
Similar-sized banks
First Resource Bank ($840.92M) · Prairie State Bank And Trust ($840.08M)
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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