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First Utah Bank

IDRSSD: 207872
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #207872 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +1
72
Sub-score

Liquidity is stable: brokered 12.8%, loans/deposits 90.6%, cash 5.9% of assets.

Cash / Assets
5.85%
Loans / Deposits
90.60%
Brokered %
12.76%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.72%
No watch items at this period.

Capitalization

StableQoQ -9
62
Sub-score

Capital position is stable: Tier 1 RBC 10.77%, CET1 10.77%, leverage 9.16%.

Tier 1 RBC
10.77%
CET1
10.77%
Leverage
9.16%
No watch items at this period.

Asset Quality

StableQoQ -9
78
Sub-score

Asset quality is stable: Adjusted NPL 1.15%, Texas Ratio 9.3%, NCO YTD 0.72%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.72%
30-89 PD
2.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -7
69
Sub-score

Reserves are stable: ALLL 1.20% of loans, coverage 105.3%, true coverage 102.3%.

ALLL / Loans
1.20%
Coverage
105.3%
True Loss Coverage
102.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 02:26:36 UTC