TellerScore

Headquartered in Salt Lake City, Utah, The Pitney Bowes Bank, Inc. is a state-chartered bank with $796.3M in total assets and $676.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1998.

Based on its Q2 2026 filing, The Pitney Bowes Bank, Inc. scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 45 banks headquartered in Utah, it ranks 10th. Its strongest component is earnings (100/100; 5.34%), and its lowest is funding & liquidity (72/100; 68% loans-to-deposits, 33% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.37%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings100/100
Return on assets (annualized): 5.34%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 68.4% · 32.7% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.41%

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 (83 → 84).

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202476
Q4 202479
Q1 202581
Q2 202583
Q3 202583
Q4 202584
Q1 202683
Q2 202684
Tier 1 leverage ratio
5.00%8.76%12.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.81%
Q3 202410.12%
Q4 202410.89%
Q1 202511.34%
Q2 202512.07%
Q3 202512.30%
Q4 202512.52%
Q1 202611.98%
Q2 202612.37%
Noncurrent loans
0.36%0.43%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.49%
Q4 20240.39%
Q1 20250.37%
Q2 20250.42%
Q3 20250.36%
Q4 20250.37%
Q1 20260.45%
Q2 20260.44%
Return on assets
5.34%5.74%6.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20246.14%
Q3 20245.99%
Q4 20245.79%
Q1 20255.84%
Q2 20255.94%
Q3 20256.02%
Q4 20256.11%
Q1 20265.46%
Q2 20265.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$796.3M12.37%0.44%5.34%68.4%
Q1 202683$832.7M11.98%0.45%5.46%65.9%
Q4 202584$805.6M12.52%0.37%6.11%69.7%
Q3 202583$811.0M12.30%0.36%6.02%68.4%
Q2 202583$816.1M12.07%0.42%5.94%63.2%
Q1 202581$834.3M11.34%0.37%5.84%58.1%
Q4 202479$851.7M10.89%0.39%5.79%49.5%
Q3 202476$889.0M10.12%0.49%5.99%44.5%
Q2 202479$899.3M10.81%0.41%6.14%45.0%

2,650 peers · $100 million – $1 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 ratio12.37%
68th
Total risk-based capital0.00%
24th
Problem loans0.44%
49th
Net charge-offs1.24%
2nd
Return on assets5.34%
99th
Net interest margin8.09%
100th
Efficiency ratio32.0%
99th
Loans to deposits68.4%
72nd
Uninsured deposits32.7%
21st
Loan-loss reserves1.67%
86th
Texas ratio2.4%
54th

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
First Utah BankBank Salt Lake City, UT37 out of 100, Low$840.3M10.2%6.39%vs
Thrivent BankBank Salt Lake City, UT71 out of 100, Strong$905.6M29.8%0.26%vs
FinWise BankBank Murray, UT61 out of 100, Moderate$915.5M18.1%5.11%vs
Grand Valley BankBank Heber City, UT82 out of 100, Strong$599.4M11.5%0.02%vs
First Electronic BankBank Salt Lake City, UT91 out of 100, Very strong$502.9M46.8%0.01%vs
Milestone BankBank Salt Lake City, UT53 out of 100, Below average$342.2M15.0%5.32%vs

Deposit insurance

Is my money safe at The Pitney Bowes Bank, Inc.?

Yes. The Pitney Bowes Bank, Inc. is an FDIC-insured institution (FDIC certificate #34599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.7% of deposits ($221.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The Pitney Bowes Bank, Inc. lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Pitney Bowes Bank, Inc.
Type
State-chartered bank
FDIC certificate #
34599
RSSD ID
2649177
Primary regulator
FDIC
Established
January 16, 1998
Headquarters
215 S State St, Salt Lake City, UT 84111
Employees
48

Quick answers

The Pitney Bowes Bank, Inc.: common questions

Is The Pitney Bowes Bank, Inc. FDIC insured?

Yes. The Pitney Bowes Bank, Inc. is an FDIC-insured institution (FDIC certificate #34599). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Pitney Bowes Bank, Inc.'s TellerScore?

84 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 The Pitney Bowes Bank, Inc. ever failed?

There is no failure record for FDIC certificate #34599 in the FDIC failed bank list.

How many branches does The Pitney Bowes Bank, Inc. have?

1 office as of the latest FDIC data.

Nearby

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