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BDI
BU

Bank of Utah

Ogden, UtahFDIC Cert #17159

STATEEstablished 195220 branches

Holding company: BOU BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$272M
Investor CRE$793M
Multifamily$80M
Construction$443M
1–4 family$295M
C&I$136M
Agriculture$3.61M
Other$892M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$2.91B
+6.0%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSGR
Net loans
$2.88B
+6.0%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
Loans YoY
+6.01%
−61.5%y/y
Percentile by value46th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
L/D
100.6%
+2.8%y/y
Percentile by value93rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET + DEP
Loans/assets
77.3%
−0.0%y/y
Percentile by value71st percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET + ASSET
RE loans %
68.26%
+2.2%y/y
Percentile by value28th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
269%
+2.6%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
90%
−2.9%y/y
Percentile by value93rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,203points
+9.0%y/y
Peer standing94th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
9.33%
−9.1%y/y
Percentile by value36th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROW + LNLSGR
Investor CRE %
27.21%
+8.8%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROT + LNLSGR
C&I %
4.65%
−3.4%y/y
Percentile by value13th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNCI + LNLSGR