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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Utah, the state note

Column National Association

Salt Lake City, Utah · $1.77B in assets · beside the 10 other Utah banks between $1B and $3B

The filing

23.4%
Loans / deposits
1st of 10
9.9%
Equity / assets
11th of 11
0.06%
NPA / loans
1st of 10

Column National Association is the seventh largest of the 11 Utah banks between $1B and $3B, with $1.77B in assets at 30 June 2026. Loans are 23.4% of deposits, the lowest in the cohort against a median of 91.2%, and equity is 9.9% of assets, the lowest in the cohort. Loans grew +70.4% in the year, 3rd of 10, and deposits grew 114.7%; the cohort's median loan growth is +22.1%.

Noncurrent loans are 0.06% of the book, the lowest in the cohort against a median of 0.59%; 1.03% is 30 to 89 days past due, and the allowance covers them 9.5 times. Commercial real estate is 22.3% of loans, 6th of 10 against a median of 13.0%, and 43% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 4.99%, 3rd of 11 against a median of 2.16%, on an efficiency ratio of 38.9%, 7th of 11. Five years ago it was 0.70%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsUT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 91.2% CN Column National Association 23.4% NB Nelnet Bank 65.7% CB Central Bank 76.8% SB State Bank of Southern Utah 80.3% TA Transportation Alliance Bank D 90.9% PA Prime Alliance Bank 91.5% QB Quill Bank 96.7% W Webbank 107.5% MB Medallion Bank 116.0% SF Square Finl Services Inc 249.0%
Loans, year over yearUT banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +22.1% SF Square Finl Services Inc +124.1% NB Nelnet Bank +99.9% CN Column National Association +70.4% W Webbank +34.6% QB Quill Bank +31.3% MB Medallion Bank +12.9% PA Prime Alliance Bank +10.8% SB State Bank of Southern Utah +4.6% CB Central Bank +0.7% TA Transportation Alliance Bank D -4.4%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Column National AssociationRankCohort median
Total CRE against capital, the 300% screen43%7th of 1124%
Construction against capital, the 100% screen0%4th of 110%
Construction and land development, share of loans0.0%4th of 101.1%
Non-owner-occupied nonfarm nonresidential, share of loans19.3%9th of 105.1%
Total CRE, the guidance definition, share of loans22.3%6th of 1013.0%
CRE growth over 36 months, the third prong-18.0%3rd of 9+36.5%
Commercial real estate against capital, the 300% screenUT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 24% MB Medallion Bank 0% SF Square Finl Services Inc 0% WF Wells Fargo Trust Co. N.A. 0% W Webbank 1% NB Nelnet Bank 8% PA Prime Alliance Bank 24% CN Column National Association 43% QB Quill Bank 136% TA Transportation Alliance Bank D 161% CB Central Bank 185% SB State Bank of Southern Utah 306%
CRE growth over 36 months, the guidance's third prongUT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +36.5% MB Medallion Bank -100.0% PA Prime Alliance Bank -27.9% CN Column National Association -18.0% CB Central Bank +16.7% QB Quill Bank +36.5% SB State Bank of Southern Utah +55.8% TA Transportation Alliance Bank D +74.5% W Webbank +288.3% NB Nelnet Bank +6555.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Nelnet Bank$3.00B1.1%37.6%2.17%0.59%1.7%65.7%15.5%
Webbank$2.86B4.8%63.3%0.51%0.40%1.0%107.5%16.7%
Medallion Bank$2.83B2.2%27.7%0.45%2.76%4.2%116.0%15.9%
State Bank of Southern Utah$2.74B1.7%46.1%0.47%0.26%1.2%80.3%11.4%
Central Bank$2.16B2.0%49.1%0.47%0.14%3.2%76.8%14.8%
Square Finl Services Inc$2.06B33.7%15.4%0.67%12.31%7.6%249.0%65.8%
Column National Association$1.77B5.0%38.9%0.06%-0.24%0.6%23.4%9.9%
Transportation Alliance Bank D$1.59B1.1%61.1%1.79%2.23%1.5%90.9%11.3%
Quill Bank$1.56B5.2%32.4%2.54%5.93%3.9%96.7%14.1%
Wells Fargo Trust Co. N.A.$1.33B2.0%3.9%no recordno recordno recordno record95.6%
Prime Alliance Bank$1.09B3.4%20.6%1.60%1.33%2.9%91.5%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Column National AssociationCohort median
20212026Change20212026Change
Loans$158M$359M+127%$432M$1.36B+216%
Deposits$281M$1.53B+445%$411M$1.53B+272%
NPA / loans1.08%0.06%-1.02 pts0.33%0.59%+0.26 pts
Efficiency64.4%38.9%-25.5 pts51.9%37.6%-14.3 pts
ROA0.70%4.99%+4.29 pts1.89%2.16%+0.27 pts

This read was prepared for Column National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Column National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort UT banks $1B to $3B
Institution column.com/

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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