TellerScore

Headquartered in Provo, Utah, Quill Bank is a state-chartered bank with $1.6B in total assets and $1.3B in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1993.

Quill Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 45 banks headquartered in Utah, it ranks 32nd. Earnings contributes the most (100/100, 5.29%); loan quality contributes the least (15/100, 2.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Tier 1 leverage ratio: 14.42%
Loan quality15/100
Noncurrent loans ÷ total loans: 2.54%
Earnings100/100
Return on assets (annualized): 5.29%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 92.9% · 27.2% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.92%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
637179Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202479
Q4 202467
Q1 202563
Q2 202569
Q3 202573
Q4 202575
Q1 202663
Q2 202668
Tier 1 leverage ratio
5.00%10.03%15.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.70%
Q3 202415.07%
Q4 202414.76%
Q1 202513.91%
Q2 202514.70%
Q3 202514.85%
Q4 202515.02%
Q1 202613.92%
Q2 202614.42%
Noncurrent loans
1.60%2.56%3.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.01%
Q3 20241.60%
Q4 20242.76%
Q1 20253.08%
Q2 20252.59%
Q3 20252.38%
Q4 20252.01%
Q1 20263.53%
Q2 20262.54%
Return on assets
3.50%4.39%5.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.50%
Q3 20243.61%
Q4 20243.70%
Q1 20254.30%
Q2 20254.39%
Q3 20254.99%
Q4 20255.06%
Q1 20265.11%
Q2 20265.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.6B14.42%2.54%5.29%92.9%
Q1 202663$1.5B13.92%3.53%5.11%87.6%
Q4 202575$1.4B15.02%2.01%5.06%90.9%
Q3 202573$1.3B14.85%2.38%4.99%90.0%
Q2 202569$1.2B14.70%2.59%4.39%92.4%
Q1 202563$1.1B13.91%3.08%4.30%90.3%
Q4 202467$1.1B14.76%2.76%3.70%92.4%
Q3 202479$996.5M15.07%1.60%3.61%92.1%
Q2 202473$949.2M14.70%2.01%3.50%91.0%

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).

Capital ratio14.42%
91st
Total risk-based capital17.79%
86th
Problem loans2.54%
6th
Net charge-offs6.31%
1st
Return on assets5.29%
99th
Net interest margin16.84%
100th
Efficiency ratio32.4%
97th
Loans to deposits92.9%
33rd
Uninsured deposits27.2%
62nd
Loan-loss reserves3.89%
99th
Texas ratio11.9%
12th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Transportation Alliance Bank, Inc. d/b/a TAB BankBank Ogden, UT60 out of 100, Moderate$1.6B11.7%1.79%vs
Column National AssociationBank Salt Lake City, UT72 out of 100, Strong$1.8B8.4%0.06%vs
Prime Alliance BankBank Woods Cross, UT70 out of 100, Strong$1.1B11.5%1.60%vs
Square Financial Services, Inc.Bank Salt Lake City, UT84 out of 100, Strong$2.1B65.2%0.67%vs
Central BankBank Provo, UT89 out of 100, Very strong$2.2B15.4%0.47%vs
State Bank of Southern UtahBank Cedar City, UT79 out of 100, Strong$2.7B12.0%0.47%vs

Deposit insurance

Is my money safe at Quill Bank?

Yes. Quill Bank is an FDIC-insured institution (FDIC certificate #33823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.2% of deposits ($355.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.79% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Quill Bank lists 7 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Quill Bank
Former names
Capital Community Bank; Capital Community Bank, Inc.; Orem Community Bank; Capital Community Bank
Type
State-chartered bank
FDIC certificate #
33823
RSSD ID
2068107
Primary regulator
FDIC
Holding company
Quill Financial Inc
Established
July 29, 1993
Headquarters
3280 N University Ave, Provo, UT 84604
Employees
249

Quick answers

Quill Bank: common questions

Is Quill Bank FDIC insured?

Yes. Quill Bank is an FDIC-insured institution (FDIC certificate #33823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Quill Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Quill Bank ever failed?

There is no failure record for FDIC certificate #33823 in the FDIC failed bank list.

How many branches does Quill Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Provo

InstitutionScoreAssetsCapitalProblem loansCompare
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Parks Heritage Federal Credit UnionCredit union Glens Falls, NY90 out of 100, Very strong$42.3M16.6%0.28%vs
Central BankBank Provo, UT89 out of 100, Very strong$2.2B15.4%0.47%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Varex Federal Credit UnionCredit union Salt Lake City, UT85 out of 100, Very strong$16.5M19.1%0.07%vs