Visbanking Logo
Skip to main content

First Utah Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-Q2QoQ -7

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

Quarterly Headline

2025-Q2

Bank #207872 2025-Q2 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.7% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.36% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -29

The five pillars

Liquidity

StableQoQ +3
74
Sub-score

Liquidity is stable: brokered 10.4%, loans/deposits 92.1%, cash 6.2% of assets.

Cash / Assets
6.20%
Loans / Deposits
92.11%
Brokered %
10.42%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.35%
No watch items at this period.

Capitalization

StableQoQ -3
63
Sub-score

Capital position is stable: Tier 1 RBC 10.84%, CET1 10.84%, leverage 9.07%.

Tier 1 RBC
10.84%
CET1
10.84%
Leverage
9.07%
No watch items at this period.

Asset Quality

StableQoQ -9
67
Sub-score

Asset quality is stable: Adjusted NPL 3.36%, Texas Ratio 25.7%, NCO YTD 0.64%.

Adjusted NPL
3.36%
Govt-guarantees stripped
Texas Ratio
25.7%
NCO YTD
0.64%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.36% (govt-guarantees stripped).

Reserves

RiskQoQ -29
26
Sub-score

Reserves are weak: ALLL 1.25% of loans, coverage 37.7%, true coverage 32.7%.

ALLL / Loans
1.25%
Coverage
37.7%
True Loss Coverage
32.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.7% (Adjusted NPL + Performing Mods denominator).

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