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Bank of Utah
Ogden, UT·FDIC Cert #17159·Charter: STATE·Est. 19520205.0·HC: BOU BCORP INC
Total Assets
$3.6B
Q4 2025
Return on Assets
1.35%
+0.00%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.66%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.35%+0.00
ROE
11.17%-0.09
Efficiency
57.66%+1.11
Equity/Assets
0.00%+0.00
NPL Ratio
0.29%+0.29
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.46%+3.45
Charge-offs
-0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.3 | 1.3 | 1.3 | 1.2 | 1.3 | 1.3 |
| ROE | 10.0 | 10.6 | 10.7 | 10.7 | 10.4 | 10.3 | 11.3 | 11.2 |
| Efficiency | 59.1 | 57.3 | 56.6 | 56.0 | 56.3 | 58.6 | 56.6 | 57.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | — | — | 0.0 | 0.0 | 0.4 | 0.0 | 0.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 104.5 | 94.9 | 84.2 | 101.7 | 97.9 | 100.1 | 96.0 | 99.5 |
Balance Sheet
Total Assets$3.6B
Total Deposits$2.9B
Total Loans$2.8B
Total Equity$447.5M
Profitability
ROA1.35%
ROE11.17%
Efficiency Ratio57.66%
Net Income$47.6M
Risk & Asset Quality
NPL Ratio0.29%
Charge-off Rate-0.00%
Loan/Deposit99.46%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans