# BANK OF UTAH
OGDEN, UT · FDIC certificate 17159 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.79B | |
| Deposits | $2.95B | |
| Loans and leases | $2.97B | |
| Total equity | $465.5M | |
| Loans / deposits | 99.24% (p84 of band) | 87.10% |
| Liquid assets / assets | 16.43% (p29 of band) | |
| Uninsured deposits / deposits | 46.42% (p86 of band) | 30.76% |
| Brokered deposits | 9.05% | |
| Wholesale funding | 17.09% (p85 of band) | |
| FHLB advances / assets | 5.51% | |
| Tier 1 leverage | 12.74% (p82 of band) | 10.50% |
| Unrealized securities loss / equity | -6.28% (p56 of band) | -7.75% |
| AOCI / equity | -0.21% (p57 of band) | |
| ROA (annualized) | 1.30% (p55 of band) | 1.26% |
| Net interest margin | 3.53% (p39 of band) | 3.70% |
| Efficiency ratio | 61.65% (p59 of band) | |
| Noncurrent loans | 0.15% (p19 of band) | 0.51% |
| Net charge-offs (annualized) | 0.18% (p84 of band) | |
| Reserve coverage of noncurrent | 792.42% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 95.08% (p86 of band) | |
| Auto loans | $5.0M (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 426 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, construction >100% equity |  |
| 2016-03 | 0 |  | capital falling, construction >100% equity |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | construction >100% equity | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | uninsured deposits >50% |  |
| 2017-12 | 2 | capital falling | uninsured deposits >50% |
| 2018-03 | 3 | uninsured deposits >50% |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | uninsured deposits >50% |
| 2019-09 | 2 | uninsured deposits >50% |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | run vulnerability |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | run vulnerability |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | capital falling, run vulnerability |  |
| 2023-09 | 3 |  | run vulnerability |
| 2023-12 | 5 | loans exceed deposits, wholesale funding >15%, run vulnerability | construction >100% equity |
| 2024-03 | 6 | brokered >10% |  |
| 2024-06 | 5 |  | loans exceed deposits |
| 2024-09 | 4 | construction >100% equity, uninsured deposits leaving | uninsured deposits >50%, run vulnerability, brokered >10% |
| 2024-12 | 6 | loans exceed deposits, brokered >10% |  |
| 2025-03 | 4 |  | capital falling, loans exceed deposits |
| 2025-06 | 5 | loans exceed deposits |  |
| 2025-09 | 3 | capital falling | construction >100% equity, uninsured deposits leaving, loans exceed deposits |
| 2025-12 | 2 | construction >100% equity | brokered >10%, capital falling |
| 2026-03 | 3 | loans exceed deposits, charge-offs p90 | construction >100% equity |
| 2026-06 | 1 |  | loans exceed deposits, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [FORE! Bank of Utah Championship at Black Desert Resort - ABC4 Utah](https://news.google.com/rss/articles/CBMinwFBVV95cUxPbktoeHV5ZWJPQXJmM2NIUk1GTWU3akJmcWFIdHVwSno5OURmN0VBRXFXazIzWTd0SzA1clV3QTkzT01KWjZWMkdNVllES3daVi1qVkFqSVFQTUxQRjBOemc3eGpUck1IanljZ1dHN1REak5MTkl0bGZnSlg1WmJQb0hXRnVHZzRmVWYwZ09LdUVZU1ppakR6REdrUzhXaknSAaQBQVVfeXFMTXVCM2xld3VHOVdoTGhTc1Blekt1MTZ4R2Y4MXh5SWpBUmZWT2FWU09fTHFVOUp6T19wTjY4eHJPQlFmbDRfeVBBUjQ3STBKSDZvNjkzV0o2RTNSRkpJR3ZhbEluRjBhdXlYalZCNTl1WHppNEU5YnJ0ckFPTUFwbnJqdHluREVOaXotUzFmNVdtVEFQNFJLdURyWlYwYjRjZTJBblQ?oc=5) · ABC4 Utah
- 2026-05-19 [Bank of Utah invites photographers to capture 'My Utah' in 7th annual contest - St. George News](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNby1IQ1lGU3pscXZrUWdRU29BeUhoSWI2OGpjY2M0ZzdUMWF5eVhPck5ZU25LalBJaWpZX2lfUGFLbVZYM01GUlQxdVZFbGJGN0xDTFdiWUVCU1Jibl85SGNUTVNWTkVEVE56SnNvQlpQZ2piaDFaQXZSTHVvUEJ0X1FoZFlFR1RPSktkWHZneHBMZ3gxamdaRnBScUxEU2RES3dXaGswd0xTckpqVmNtT2lNdFlxQ2lMX3hqclZ3UXN1SXZ0aHY1bEN6N2NYLVMtY2hCODF0bEN2OGFuOHdhX3FiQ2NjVnNQdU44aGR2YzY?oc=5) · St. George News
- 2026-05-12 [Bank of Utah appoints Wendy Medley as branch manager in Price - ETV News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNcE0zd2lCN2tNNjd0TXFjNWdYYzdySkEzdkVwQ09vcW16SkJfYUZzQVBTQXJxQXpOaDZxUkctckhwQ0xKNkFZQjExbGc5NjFBOExYWENtM2MySlRiU2lRbk8xX3R5Nkp6cHIzeDBfVWR3amdsaTRISHJOMTF5R3pRejlkYTZGZDczclpCdlp1cXhuRWhEaXRSYU5SamFkc0t2WkpLMw?oc=5) · ETV News
- 2026-01-10 [2026 Bank of Utah Championship - PGA TOUR - Golf Channel](https://news.google.com/rss/articles/CBMidkFVX3lxTE05emktc1VUc0NpRlE5YnhLcWkwVnJ6Z2x3RnJYZkJLbHJGcDRDWkZOc1hRRVRraHQzaEs3NkJmeVNua2phM3kwdXNNck5GcjNpbWJBdU9fSlh4cTlBZ3MtSGJUakg3QklaVWtGSjFXUU9mNU1zbEE?oc=5) · Golf Channel
- 2026-01-14 [2026 Bank of Utah Championship Leaderboard - PGA Tour - USA Today](https://news.google.com/rss/articles/CBMibEFVX3lxTE1Semc4bk10QVd6ZFd2YVdDdTVLNnZBaERxVVNVT25TeERZZ2hWeWV2bVRnbTVHQktYak55NUxCX2Y0TnNBU2U5MHhUMm5PTV9KanpSbHh3NEdzRUFWQjNnR0NUUVduVEl5Z2d5Tg?oc=5) · USA Today
- 2026-08-14 [Bank of Utah wallet worth $10,000 has been found! - ABC4 Utah](https://news.google.com/rss/articles/CBMihgFBVV95cUxONkh4ODllQTVHcG5NdmtGZF9zdGJhcTNabmpjZ3BPVUZ2T1RCZURJcC1BWWVTdXBHRWFKQllvRXJhcFg2RWZmRGtQUTJjNmthWFFIMk1RRTQ4Wms0V0NLMUhrSGRXempaTnN3b0ZBcERGXzBTMEtiNjBESHl3SEZEbVlXQnBqQdIBiwFBVV95cUxONlk3MUpXM1JMUENaNS1lMHpsX1dqZWZzYWFXTm1PTWJxd015V0pNWHFUeFVPWE5iRV9FVlVIZkNDTjVpRGs5LTFXSW9ucnJkRWxZNzY2Sy1zbGdNamRPaWFNX0F3RTJCRDh0RDlPZXMzUVI1d3Jhc1lZeWtzS294VVc2TTd3T2FEcVRj?oc=5) · ABC4 Utah
- 2025-10-17 [Inside the Field: Bank of Utah Championship - PGA Tour](https://news.google.com/rss/articles/CBMizAFBVV95cUxNLVMwMlYxOGdtam9YSDdubXRwRExDa1M3QlZzUzFrSC00cXRiX0tzQlE0SzFsUGRoXzBpLTRiQzczMFZOZVBzSXhsMUlhY2hOM2M5OC1uZmprTzlYaGt5bDJlSkdvWUc1THFFTUJoX1ZsQnZaTHc0QWxaeEpTc1FlelVpMHNSTXlfUnpPbDR3c21ha1FWaUJFbGxucE04d3ktV2hTeV9qMTh5TTlVTHZTUU5EUEsyMlZERkJ3Y0NjdGQtZlA4N01pYmt2Mm4?oc=5) · PGA Tour
- 2025-10-24 [Darkness suspends play at Bank of Utah Championship again; Michael Brennan takes 2nd round lead - St. George News](https://news.google.com/rss/articles/CBMijAJBVV95cUxPaXZodWI1SFN3RGtsS2MtZzNidW5TNDUycGJKLW5GVVdmR3FGbHlwSkZXdGNvZ1pCRXFWQWY0R3VBNFJyQS1HdjlCckx3dVhZdU5XQ0dnbWpEbTRxRXdsLV9lbU16ZVB0SW9yMmtJQ1ZsQzl6d1RBOWtTLW81WFBMWkFzMGs2VFlDSFVTcmd5OXcyWGlxR0RqeWdRT2s3TGhqLVBfaFZZMFlWRzZUNE1hZmtvYUdjekd0M1BQUUhkZFVPdVhIS1Y2aGd3d3BnanI0SzdsY2RCQ1pnWGhMVmE1Wkt3YUhmT3VlZWhzRElNVXZSX1B3Q1hlSlhDVnZwM3RfY3J6OWhpLTBEZXJ0?oc=5) · St. George News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17159 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "17159", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide