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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 22514 · UT A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #690/4307
  • PHOTO-FINISH Spring Hill State Bank · TX
  • TIER1-WELL 14.7% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-STRONG 2.58% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: Spring Hill State Bank, TX (±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 Utah Independent Bank

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

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Ra… · MO ·…92/100First National Bank… · LA · …92/100First Nations Bank · IL · ne…92/100Spring Hill State Bank · TX …92/100Utah Independent Bank · UT ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Utah Independent Bank · July 2026

What Utah Independent Bank's Call Report plate shows

Utah Independent Bank (FDIC Cert #22514) carries a PlainBankData health grade of A at 92/100, 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 #690 of 4,307. Tier 1 capital prints at 14.71%, clearing the 10% well-capitalized line. The Texas Ratio is 2.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.58%. Balance-sheet scale is $160M, 3,270th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Spring Hill State Bank (TX), 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 Utah Independent Bank

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

Utah Independent 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; Utah Independent 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 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.

0/100100/100National avg77/10092/100
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 Assets

$160M

Total balance-sheet footings

Total Deposits

$135M

Customer-funded liabilities

Net Loans

$109M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.31% 14.71% 16.11%
Basel III capital ratios - Utah Independent Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 16% higher than 84% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Utah Independent 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

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 ratios for Utah Independent Bank

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

What these ratios mean →

Earnings posture at Utah Independent Bank

Return on Assets (ROA)
97th percentile nationally
2.58%
Return on Equity (ROE)
18.11%
Efficiency Ratio
50.33%

What these mean →

Income & expense at Utah Independent Bank

$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.

FDIC Failed Bank List → View Utah Independent 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 ($160M here), outside Utah so the neighborhood is not state containment.

Bank of Maysville $160M · KY Templeton Savings Bank $160M · IA First State Bank of Campbell Hill $160M · IL Boone Bank & Trust Co. $160M · IA

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.

Utah Independent 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%