8.28%
+51.5%y/y
Peer standing99th percentile
FDIC
NETINC + ROAC
Column National Association
Salt Lake City, UtahFDIC Cert #58224
OCCEstablished 20061 branch
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
68.77%
−8.5%y/y
Peer standing100th percentile
FDIC
NETINC + ROE11.83%
+57.2%y/y
Peer standing99th percentile
FDIC
PTAXNETINC + ASSET9.63%
+50.9%y/y
Peer standing99th percentile
FDIC
NIM + NIMY13.72%
+72.5%y/y
Peer standing99th percentile
FDIC
INTINCY5.95%
+169.3%y/y
Peer standing1st percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
38.88%
−5.0%y/y
Peer standing95th percentile
FDIC
NONIX + NIM + NONII + EEFFR7.53%
+44.5%y/y
Peer standing2nd percentile
FDIC
NONIX + ASSET57.31%
+3.6%y/y
Percentile by value98th percentileby value
FDIC
NONII + NIM+76.78%
+26.4%y/y
Percentile by value99th percentileby value
FDIC
ASSET+71.84%
+7.2%y/y
Percentile by value99th percentileby value
FDIC
DEP+46.12%
+351.4%y/y
Percentile by value98th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA8.28%99th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE68.77%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY9.63%99th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR38.88%95th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+71.84%99th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+46.12%98th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.29%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ8.03%3rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM5.95%1st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC53%6th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA8.28%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.14%Median 1.83%90th 4.88%Observations 45
ROE
FDIC
NETINC + ROE68.77%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.15%Median 15.71%90th 42.77%Observations 45
NIM
FDIC
NIM + NIMY9.63%80th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 5.56%90th 15.19%Observations 45
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR38.88%66th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 24.58%Median 54.46%90th 98.73%Observations 45
Deposits YoY
FDIC
DEP+71.84%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.51%Median +5.68%90th +35.63%Observations 43
Loans YoY
FDIC
LNLSNET+46.12%93rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.49%Median +7.25%90th +45.05%Observations 42
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.29%74th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.73%90th 3.60%Observations 43
Leverage
FDIC
RBC1AAJ8.03%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.12%Median 12.79%90th 27.02%Observations 45
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM5.95%2nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 3.48%90th 4.38%Observations 44
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC53%76th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 270%Observations 30
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA8.28%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.11%Median 1.97%90th 8.28%Observations 11
ROE
FDIC
NETINC + ROE68.77%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.43%Median 16.11%90th 63.00%Observations 11
NIM
FDIC
NIM + NIMY9.63%70th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.81%Median 6.51%90th 16.89%Observations 11
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR38.88%40th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 14.59%Median 32.03%90th 62.81%Observations 11
Deposits YoY
FDIC
DEP+71.84%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +4.80%Median +21.02%90th +52.28%Observations 10
Loans YoY
FDIC
LNLSNET+46.12%78th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +2.72%Median +22.41%90th +72.77%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.29%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.44%Median 0.82%90th 2.18%Observations 10
Leverage
FDIC
RBC1AAJ8.03%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 11.10%Median 15.02%90th 61.54%Observations 11
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM5.95%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.47%Median 3.54%90th 4.25%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC53%83rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 1%90th 91%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.