Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #57920 · Woods Cross, Utah · Est. 2004
Prime Alliance Bank - FDIC Bank Health Profile
A community-scale look at Prime Alliance Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- A
- Health grade · Excellent
- 2.43%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
Prime Alliance Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 11.44% Tier 1, profitable at 2.43% ROA, efficient (21% cost ratio).
- #980
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 11.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 96th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Prime Alliance Bank's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Prime Alliance Bank's composite health score
Tier 1 Capital Ratio (11.44%) 28/40
Return on Assets (ROA) (2.43%) 25/25
Texas Ratio (12.82%) 16/20
Efficiency Ratio (20.97%) 15/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$968M
Customer-funded liabilities
Net Loans
$824M
Outstanding loan book
Net Income
$24M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Prime Alliance Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Prime Alliance Bank's score of 84/100 falls in the highlighted band.
Prime Alliance 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). Prime Alliance Bank's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.44%
Texas Ratio
12.82%
Equity Capital
$102M
Profitability metrics
Return on Assets (ROA)
96th percentile nationally
2.43%
Return on Equity (ROE)
27.13%
Efficiency Ratio
20.97%
What the numbers say about Prime Alliance Bank
Prime Alliance Bank is an FDIC-insured institution (Certificate #57920) headquartered in Woods Cross, Utah, established in 2004. It holds $1.1B in total assets - 980th of 4,313 FDIC-insured banks, $968M in customer deposits, and $824M in net loans. Looking at capital strength, Tier 1 stands at 11.44%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 12.82%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Utah, Prime Alliance Bank ranks 28th of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$81M
Interest Income
$56K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Prime Alliance Bank reports a Texas Ratio of 12.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Prime Alliance Bank (FDIC Cert #57920) - 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.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Prime Alliance Bank's health grade?▼
Prime Alliance Bank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Prime Alliance Bank?▼
Prime Alliance Bank holds $1.1B in total assets and $968M in deposits, ranking 980th of 4,313 FDIC-insured banks by asset size. It is headquartered in Woods Cross, Utah.
Is my money safe at Prime Alliance Bank?▼
Yes, deposits at Prime Alliance Bank (Certificate #57920) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Prime Alliance Bank's Tier 1 Capital Ratio?▼
Prime Alliance Bank has a Tier 1 Capital Ratio of 11.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Prime Alliance Bank?▼
Prime Alliance Bank has a Texas Ratio of 12.82%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Prime Alliance Bank?▼
Prime Alliance Bank has an Efficiency Ratio of 20.97%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Prime Alliance Bank's profile as a depositor or analyst.
- Prime Alliance Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Prime Alliance Bank against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.