Utah Independent Bank
Salina, UT
IDRSSD: 256179
Total Assets
$160.18M
Latest filing
Total Deposits
$135.16M
Latest filing
Net Interest Margin
6.98%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Utah Independent Bank
55 S State St
Salina, UT 84654
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/29/1977FDIC Certificate 15702
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Utah Independent Bank (Main) | 55 S State St | Salina, UT |
| BEAVER BRANCH | 195 N Main St | Beaver, UT |
| MONROE BRANCH | 45 W Center St | Monroe, UT |
| MILFORD BRANCH | 326 S Main St | Milford, UT |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 08/29/1977 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 84654 |
| State and County Number | 49041 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/29/1977 |
| Primary Insurance Agency | DIF |
| Website | www.uib.bank |
| Data Updated | 01/30/2026 |
| CERT | 22514 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $160.18M |
| Total Deposits | $135.16M |
| Total Liabilities | $137.04M |
| Total Equity Capital | $23.14M |
| Net Income | $924.00k |
| Net Loans and Leases | $109.21M |
| Assets Per Employee ($Millions) | $6.67M |
| Bank Premises and Fixed Assets | $1.49M |
| Cash and Balances due from Depository Institutions | $6.92M |
| Deposits Held in Domestic Offices | $135.16M |
Key Performance Ratios
| Return on Assets (ROA) | 2.31% |
| Return on Equity (ROE) | 15.65% |
| Net Interest Margin | 6.98% |
| Efficiency Ratio | 61.68% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.444% |
| Earning Assets to total Assets | 91.93% |
Income and Expense
| Total Interest Income | $3.09M |
| Total Noninterest Income | $131.00k |
| Total Interest Expense | $473.00k |
| Total Noninterest Expense | $1.70M |
| Net Interest Income | $2.62M |
| Pre-tax Net Operating Income | $948.00k |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $17.21M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.88M |
| Total Liabilities and Capital | $160.18M |
Securities
| Securities | $20.09M |
| Available-for-sale debt securities | $19.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $192.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Utah Independent Bank?
$160.18M as of the latest filing.
How much are Utah Independent Bank's total deposits?
$135.16M in total deposits.
Where is Utah Independent Bank located?
Salina, UT.
What is the Net Interest Margin?
6.98%.
How many domestic offices does it operate?
4.
When was it established?
08/29/1977.
What is the Return on Assets (ROA)?
2.31%.
How much are total loans and leases?
$109.21M (latest filing).
What is the total interest income (latest filing)?
$3.09M.