Stitch Bank, Inc. is a state-chartered bank headquartered in Salt Lake City, Utah, in business for about 70 years. At the end of Q2 2026 it reported $11.4M in total assets and $7.2M in deposits, with 1 office.
Stitch Bank, Inc. has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 546 banks with under $100 million in assets. Among 45 banks headquartered in Utah, it ranks 14th. Capital cushion contributes the most (100/100, 27.81%); earnings contributes the least (0/100, -11.62%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 80 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.79% |
| Q3 2024 | 15.74% |
| Q4 2024 | 23.39% |
| Q1 2025 | 35.34% |
| Q2 2025 | 27.27% |
| Q3 2025 | 28.53% |
| Q4 2025 | 31.02% |
| Q1 2026 | 29.61% |
| Q2 2026 | 27.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -12.69% |
| Q3 2024 | -7.81% |
| Q4 2024 | -6.61% |
| Q1 2025 | -4.89% |
| Q2 2025 | -3.95% |
| Q3 2025 | -3.52% |
| Q4 2025 | -3.84% |
| Q1 2026 | -8.54% |
| Q2 2026 | -11.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $11.4M | 27.81% | 0.00% | -11.62% | 0.0% |
| Q1 2026 | 80 | $12.4M | 29.61% | 0.00% | -8.54% | 0.0% |
| Q4 2025 | 80 | $13.0M | 31.02% | 0.00% | -3.84% | 0.0% |
| Q3 2025 | 80 | $13.1M | 28.53% | 0.00% | -3.52% | 0.0% |
| Q2 2025 | 80 | $13.3M | 27.27% | 0.00% | -3.95% | 0.0% |
| Q1 2025 | 80 | $14.2M | 35.34% | 0.00% | -4.89% | 0.0% |
| Q4 2024 | 80 | $13.6M | 23.39% | 0.00% | -6.61% | 0.0% |
| Q3 2024 | 80 | $10.8M | 15.74% | 0.00% | -7.81% | 0.0% |
| Q2 2024 | 65 | $12.4M | 13.79% | 1.18% | -12.69% | 65.9% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Redemption BankBank Salt Lake City, UT | 72 out of 100, Strong | $77.5M | 18.5% | 0.38% | vs |
Deposit insurance
Is my money safe at Stitch Bank, Inc.?
Yes. Stitch Bank, Inc. is an FDIC-insured institution (FDIC certificate #26816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.4% of deposits ($533K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 27.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 73.51% (benchmark: 10%).
1 location
Branches
Stitch Bank, Inc. lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- Stitch Bank, Inc.
- Former names
- Liberty Bank, Inc.; First Thrift and Loan; Liberty Financial Corporation
- Type
- State-chartered bank
- FDIC certificate #
- 26816
- RSSD ID
- 593771
- Primary regulator
- FDIC
- Holding company
- Cache Valley Banking Co
- Established
- November 5, 1956
- Headquarters
- 79 S Main St, Salt Lake City, UT 84111
- Website
- www.libertybankofutah.com
- Employees
- 7
Quick answers
Stitch Bank, Inc.: common questions
Is Stitch Bank, Inc. FDIC insured?
Yes. Stitch Bank, Inc. is an FDIC-insured institution (FDIC certificate #26816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Stitch Bank, Inc.'s TellerScore?
80 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 Stitch Bank, Inc. ever failed?
There is no failure record for FDIC certificate #26816 in the FDIC failed bank list.
How many branches does Stitch Bank, Inc. have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Salt Lake City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Uintah Credit UnionCredit union Vernal, UT | 100 out of 100, Very strong | $3.9M | 21.3% | 0.00% | vs |
| Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA | 93 out of 100, Very strong | $26.8M | 20.1% | 0.41% | vs |
| Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT | 93 out of 100, Very strong | $166K | 99.9% | — | vs |
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Wiremen'S Credit UnionCredit union Parma, OH | 92 out of 100, Very strong | $40.6M | 17.0% | 0.11% | vs |