Total Assets
$160M
Total balance-sheet footings
FDIC Cert #22514 · Salina, Utah · Est. 1977
Utah Independent Bank - FDIC Bank Health Profile
A community-scale look at Utah Independent Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $160M
- Total assets
- A
- Health grade · Excellent
- 2.58%
- Return on assets
- 14.7%
- Tier 1 capital
Data updated July 2026
The verdict
Utah Independent Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 14.71% Tier 1, profitable at 2.58% ROA, efficient (50% cost ratio).
- #3,270
- largest of 4,313 FDIC banks by assets
- 24th
- percentile by asset size, nationally
- 14.71%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- 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 Utah Independent Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Utah Independent Bank's composite health score
Tier 1 Capital Ratio (14.71%) 35/40
Return on Assets (ROA) (2.58%) 25/25
Texas Ratio (2.29%) 20/20
Efficiency Ratio (50.33%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$135M
Customer-funded liabilities
Net Loans
$109M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Utah Independent Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Utah Independent Bank's score of 92/100 falls in the highlighted band.
Utah Independent 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). Utah Independent Bank's $160M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.71%
Texas Ratio
2.29%
Equity Capital
$23M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.58%
Return on Equity (ROE)
18.11%
Efficiency Ratio
50.33%
What the numbers say about Utah Independent Bank
Utah Independent Bank is an FDIC-insured institution (Certificate #22514) headquartered in Salina, Utah, established in 1977. It holds $160M in total assets - 3,270th of 4,313 FDIC-insured banks, $135M in customer deposits, and $109M in net loans. Capital-wise, the Tier 1 ratio sits at 14.71%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.29%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Utah Independent Bank is a community-scale institution -- 39th of 42 FDIC-insured banks headquartered in Utah by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$12M
Interest Income
$628K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Utah Independent Bank reports a Texas Ratio of 2.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.29% - 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) Utah Independent Bank (FDIC Cert #22514) - 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 Utah Independent Bank's health grade?▼
Utah Independent Bank receives a health grade of A (92/100) 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 Utah Independent Bank?▼
Utah Independent Bank holds $160M in total assets and $135M in deposits, ranking 3,270th of 4,313 FDIC-insured banks by asset size. It is headquartered in Salina, Utah.
Is my money safe at Utah Independent Bank?▼
Yes, deposits at Utah Independent Bank (Certificate #22514) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Utah Independent Bank's Tier 1 Capital Ratio?▼
Utah Independent Bank has a Tier 1 Capital Ratio of 14.71%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Utah Independent Bank?▼
Utah Independent Bank has a Texas Ratio of 2.29%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Utah Independent Bank?▼
Utah Independent Bank has an Efficiency Ratio of 50.33%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Utah Independent Bank's profile as a depositor or analyst.
- Utah Independent Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Utah Independent 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.