Bank of Utah (FDIC certificate #17159) is based in Ogden, Utah. Its Q2 2026 call report shows $3.8B in total assets and $3.0B in deposits and 20 offices.
Bank of Utah has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 45 banks headquartered in Utah, it ranks 21st. Problem-loan coverage contributes the most (98/100, 0.9%); funding & liquidity contributes the least (26/100, 99% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the loan quality component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 72 |
| Q3 2025 | 75 |
| Q4 2025 | 73 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.57% |
| Q3 2024 | 12.27% |
| Q4 2024 | 12.15% |
| Q1 2025 | 12.51% |
| Q2 2025 | 12.31% |
| Q3 2025 | 11.77% |
| Q4 2025 | 12.25% |
| Q1 2026 | 12.85% |
| Q2 2026 | 12.74% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $3.8B | 12.74% | 0.15% | 1.30% | 99.2% |
| Q1 2026 | 76 | $3.7B | 12.85% | 0.09% | 1.32% | 100.6% |
| Q4 2025 | 73 | $3.6B | 12.25% | 0.28% | 1.35% | 99.5% |
| Q3 2025 | 75 | $3.7B | 11.77% | 0.00% | 1.34% | 96.0% |
| Q2 2025 | 72 | $3.5B | 12.31% | 0.36% | 1.23% | 100.1% |
| Q1 2025 | 76 | $3.5B | 12.51% | 0.00% | 1.25% | 97.9% |
| Q4 2024 | 75 | $3.3B | 12.15% | 0.01% | 1.28% | 101.7% |
| Q3 2024 | 78 | $3.7B | 12.27% | 0.00% | 1.27% | 84.2% |
| Q2 2024 | 74 | $3.3B | 12.57% | 0.00% | 1.31% | 94.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Utah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cache Valley BankBank Logan, UT | 73 out of 100, Strong | $3.5B | 10.7% | 0.29% | vs |
| Sunwest BankBank Sandy, UT | 63 out of 100, Moderate | $4.4B | 9.7% | 0.60% | vs |
| Nelnet BankBank Draper, UT | 74 out of 100, Strong | $3.0B | 15.9% | 2.17% | vs |
| WebBankBank Salt Lake City, UT | 88 out of 100, Very strong | $2.9B | 17.4% | 0.51% | vs |
| Medallion BankBank Salt Lake City, UT | 88 out of 100, Very strong | $2.8B | 16.9% | 0.45% | vs |
| State Bank of Southern UtahBank Cedar City, UT | 79 out of 100, Strong | $2.7B | 12.0% | 0.47% | vs |
Deposit insurance
Is my money safe at Bank of Utah?
Yes. Bank of Utah is an FDIC-insured institution (FDIC certificate #17159). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.4% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.61% (benchmark: 10%).
20 locations
Branches
Bank of Utah lists 18 offices in 15 cities. Most locations:
- Ogden, UT (3)
- Salt Lake City, UT (2)
- Bountiful, UT (1)
- Brigham City, UT (1)
- Heber City, UT (1)
- Layton, UT (1)
- Lindon, UT (1)
- Logan, UT (1)
- Orem, UT (1)
- Providence, UT (1)
- Provo, UT (1)
- Roy, UT (1)
Identity & history
Profile
- Legal name
- Bank of Utah
- Type
- State-chartered bank
- FDIC certificate #
- 17159
- RSSD ID
- 933975
- Primary regulator
- FDIC
- Holding company
- Bou Bcorp Inc
- Established
- February 5, 1952
- Headquarters
- 2605 Washington Blvd, Ogden, UT 84401
- Website
- www.bankofutah.com
- Employees
- 426
Quick answers
Bank of Utah: common questions
Is Bank of Utah FDIC insured?
Yes. Bank of Utah is an FDIC-insured institution (FDIC certificate #17159). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Utah's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Utah ever failed?
There is no failure record for FDIC certificate #17159 in the FDIC failed bank list.
How many branches does Bank of Utah have?
20 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ogden
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Utah Power Credit UnionCredit union Murray, UT | 87 out of 100, Very strong | $1.1B | 13.7% | 0.27% | vs |
| Goldenwest Federal Credit UnionCredit union Ogden, UT | 81 out of 100, Strong | $4.3B | 13.2% | 0.47% | vs |
| Gibbons and Reed Employees Federal Credit UnionCredit union Salt Lake City, UT | 78 out of 100, Strong | $6.5M | 17.6% | 1.47% | vs |
| D. L. Evans BankBank Burley, ID | 76 out of 100, Strong | $3.7B | 10.4% | 0.26% | vs |
| Cache Valley BankBank Logan, UT | 73 out of 100, Strong | $3.5B | 10.7% | 0.29% | vs |
| America First Federal Credit UnionCredit union Riverdale, UT | 71 out of 100, Strong | $26.0B | 11.8% | 1.45% | vs |