FDIC Cert #22738 · Salt Lake City, Utah · Est. 1978

First Utah Bank - FDIC Bank Health Profile

A community-scale look at First Utah Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$846M
Total assets
C
Health grade · Fair
1.13%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

First Utah Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 11.73% Tier 1, profitable at 1.13% ROA, 63% efficiency ratio.

#1,205
largest of 4,313 FDIC banks by assets
72nd
percentile by asset size, nationally
11.73%
Tier 1 ratio - above the 10% well-capitalized line
52nd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 22738 · UT C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3767/4307
  • PHOTO-FINISH Barwick Banking Comp… · GA
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-HEALTHY 33.2% Texas
  • ROA-PAR 1.13% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Barwick Banking Company, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Utah Bank

Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Pensacola · FL · near60/100Barwick Banking Comp… · GA ·…60/100Eastern National Bank · FL ·…60/100First Utah Bank · UT · this …60/100The Pittsfield Co-op… · MA ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Utah Bank · July 2026

What First Utah Bank's Call Report plate shows

First Utah Bank (FDIC Cert #22738) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,767 of 4,307. Tier 1 capital prints at 11.73%, clearing the 10% well-capitalized line. The Texas Ratio is 33.19%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.13%. Balance-sheet scale is $846M, 1,205th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Barwick Banking Company (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Utah Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

First Utah Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Utah Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.

How First Utah Bank's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
First Utah Bank's composite health score
Tier 1 Capital Ratio (11.73%) 28/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (33.19%) 4/20
Efficiency Ratio (62.57%) 8/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$846M

Total balance-sheet footings

Total Deposits

$734M

Customer-funded liabilities

Net Loans

$654M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.33% 11.73% 13.13%
Basel III capital ratios - First Utah Bank

Where First Utah Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Utah Bank's score of 60/100 falls in the highlighted band.

First Utah Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Utah Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Utah Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Utah Bank's $846M falls in the highlighted band.

Safety ratios for First Utah Bank

Tier 1 capital ratio
Well-capitalized 10%

11.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.73%
Texas Ratio
33.19%
Equity Capital
$83M

What these ratios mean →

Earnings posture at First Utah Bank

Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
12.18%
Efficiency Ratio
62.57%

What these mean →

Income & expense at First Utah Bank

$58M
Interest Income
$6M
Non-Interest Income
$27M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Utah Bank reports a Texas Ratio of 33.19% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

33.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Utah Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

Top 5 banks in Utah ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($846M here), outside Utah so the neighborhood is not state containment.

First National Bank North $845M · MN Greenfield Co-operative Bank $846M · MA The Old Fort Banking Company $845M · OH Western Bank $845M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Utah Bank (FDIC Cert #22738) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Utah Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%