Side-by-side · Q2 2026 data
Utah Independent Bank vs Varo Bank, National Association
Metric by metric
| Measure | Utah Independent Bank | Varo Bank, National Association |
|---|---|---|
| TellerScore | 79 (stronger) | 76 |
| Capital cushion | 100 | 100 |
| Loan quality | 39 | 86 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 84 | 99 (stronger) |
| Peer percentile | 75th | 64th |
| Total assets | $170.9M | $337.8M |
| Deposits / shares | $143.2M | $209.8M |
| Capital ratio | 16.31% | 18.46% (stronger) |
| Problem loans | 1.82% | 0.42% (stronger) |
| Net charge-offs | -0.07% (stronger) | 29.60% |
| Return on assets | 3.43% (stronger) | -25.68% |
| Loans ÷ deposits | 83.6% | 41.6% (stronger) |
| Uninsured deposits | 20.8% | 1.7% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utah Independent Bank has the higher TellerScore (79 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Utah Independent Bank leads on 3 and Varo Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.