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

Quill Bank

Provo, Utah · $1.56B in assets · beside the 10 other Utah banks between $1B and $3B

The filing

2.54%
NPA / loans
10th of 10
5.20%
ROA
2nd of 11
25.5%
CRE / loans
8th of 10

Quill Bank is the ninth largest of the 11 Utah banks between $1B and $3B, with $1.56B in assets at 30 June 2026. Loans are 96.7% of deposits, 7th of 10 against a median of 91.2%, and equity is 14.1% of assets, 7th of 11. Loans grew +31.3% in the year, 5th of 10, and deposits grew 30.4%; the cohort's median loan growth is +22.1%.

Noncurrent loans are 2.54% of the book, the highest in the cohort against a median of 0.59%; 1.52% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 5.93% of loans, 9th of 10. Commercial real estate is 25.5% of loans, 8th of 10 against a median of 13.0%, and 136% of capital, below the 300% screen, with construction at 47% against the 100% screen.

Return on assets is 5.20%, 2nd of 11 against a median of 2.16%, on an efficiency ratio of 32.4%, 5th of 11. Five years ago it was 2.40%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansUT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.59% CN Column National Association 0.06% MB Medallion Bank 0.45% SB State Bank of Southern Utah 0.47% CB Central Bank 0.47% W Webbank 0.51% SF Square Finl Services Inc 0.67% PA Prime Alliance Bank 1.60% TA Transportation Alliance Bank D 1.79% NB Nelnet Bank 2.17% QB Quill Bank 2.54%
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%

SBA 7(a), FY2008 to FY2026

Quill Bank is the 22nd largest 7(a) lender into Utah of 235, with $70M across 102 loans, 1.0% of everything approved in the state (Zions Bank, A Division of leads with $814M). Every market on its book has had an approval since FY2023.

Where it lends in Utah, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Utah, UT$23M15th of 1351.6%+1.9 pts
Salt Lake, UT$22M24th of 1640.7%+1.9 pts
Washington, UT$12M10th of 862.8%thin
Maricopa, AZ$10M79th of 3030.1%thin
Davis, UT$6M23rd of 1011.0%+2.0 pts
Collin, TX$5M107th of 2610.2%thin
Davidson, TN$4M44th of 1640.4%thin
Saint Louis, MO$3M90th of 1780.2%thin
Gallatin, MT$3M27th of 790.9%thin
Chilton, AL$2M4th of 2116.2%thin
Douglas, CO$2M67th of 1560.3%thin
Harris, TX$2M193rd of 3140.0%thin
Summit, UT$2M20th of 561.2%thin
38 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing20$20M16.8%0.05%299th of 2,246
Retail trade17$19M16.0%0.03%321st of 2,589
Wholesale trade14$15M12.4%0.06%229th of 1,651
Accommodation & food services22$14M12.0%0.02%470th of 2,596
Construction20$14M11.9%0.04%298th of 2,063
7(a) lenders into Utah, share of approvals since FY2008235 lenders on record; the ten largest and Quill Bank
ZB Zions Bank, A Division of 11.2% $814M · 5,725 loans MA Mountain America FCU 7.4% $538M · 3,076 loans CB Community Banks of Colorado, A Di… 5.5% $399M · 434 loans CB Celtic Bank Corporation 5.3% $386M · 660 loans AF America First Federal Credit Union 5.1% $374M · 905 loans WF Wells Fargo Bank National Associa… 5.0% $363M · 1,135 loans LO Live Oak Banking Company 4.3% $315M · 237 loans UB U.S. Bank, National Association 4.0% $293M · 1,066 loans FU First Utah Bank 3.7% $267M · 349 loans GB Glacier Bank 3.6% $261M · 610 loans CC Capital Community Bank 1.0% $70M · 102 loans

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
Quill BankRankCohort median
Total CRE against capital, the 300% screen136%8th of 1124%
Construction against capital, the 100% screen47%8th of 110%
Construction and land development, share of loans8.8%7th of 101.1%
Non-owner-occupied nonfarm nonresidential, share of loans12.4%7th of 105.1%
Total CRE, the guidance definition, share of loans25.5%8th of 1013.0%
CRE growth over 36 months, the third prong+36.5%5th of 9+36.5%

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
Quill BankCohort median
20212026Change20212026Change
Loans$381M$1.26B+232%$432M$1.36B+216%
Deposits$389M$1.31B+236%$411M$1.53B+272%
NPA / loans0.30%2.54%+2.24 pts0.33%0.59%+0.26 pts
Efficiency47.7%32.4%-15.3 pts51.9%37.6%-14.3 pts
ROA2.40%5.20%+2.80 pts1.89%2.16%+0.27 pts

This read was prepared for Quill Bank'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 Quill Bank 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 www.quill.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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.
← Back to the catalogue