Banks in Utah — Benchmarks

37 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	49.0%	37	2026Q2
Equity Capital / Total Assets	14.5%	38	2026Q2
Loan Loss Reserve / Loans	1.6%	36	2026Q2
Loans / Deposits	91.9%	37	2026Q2
Net Income (year to date)	$23.8M	38	2026Q2
Net Interest Income / Assets (annualized)	5.0%	38	2026Q2
Return on Assets (annualized)	1.9%	38	2026Q2
Return on Equity (annualized)	14.7%	38	2026Q2
Total Assets	$2.5B	38	2026Q2
Total Deposits	$2.3B	37	2026Q2
Total Loans and Leases	$1.5B	36	2026Q2

Largest institutions (2026Q2)

MORGAN STANLEY BANK, N.A. $419.3B assets, UT · evidence
AMERICAN EXPRESS NATIONAL BANK $213.9B assets, UT · evidence
ALLY BANK $188.2B assets, UT · evidence
UBS BANK USA, NATIONAL ASSOCIATION $124.4B assets, UT · evidence
ZIONS BANCORPORATION, NATIONAL ASSOCIATION $89.0B assets, UT · evidence
SALLIE MAE BANK $28.5B assets, UT · evidence
OPTUM BANK, INC. $21.4B assets, UT · evidence
COMENITY CAPITAL BANK $13.9B assets, UT · evidence
BMW BANK OF NORTH AMERICA $13.8B assets, UT · evidence
WEX BANK $10.7B assets, UT · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks · Cite as: FACTANKER, https://factanker.com/banks/state-ut