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

Transportation Alliance Bank D

Ogden, Utah · $1.59B in assets · beside the 10 other Utah banks between $1B and $3B

The filing

1.05%
ROA
11th of 11
-4.4%
Loans, year over year
10th of 10, largest first
61.1%
Efficiency
10th of 11

Transportation Alliance Bank D is the eighth largest of the 11 Utah banks between $1B and $3B, with $1.59B in assets at 30 June 2026. Loans are 90.9% of deposits, 5th of 10 against a median of 91.2%, and equity is 11.3% of assets, 9th of 11. Loans grew -4.4% in the year, the slowest in the cohort, and deposits grew 0.4%; the cohort's median loan growth is +22.1%.

Noncurrent loans are 1.79% of the book, 8th of 10 against a median of 0.59%; 1.73% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 2.23% of loans, 7th of 10. Commercial real estate is 24.0% of loans, 7th of 10 against a median of 13.0%, and 161% of capital, below the 300% screen, with construction at 92% against the 100% screen. CRE has grown +74.5% over 36 months, past the guidance's 50% prong.

Return on assets is 1.05%, the lowest in the cohort against a median of 2.16%, on an efficiency ratio of 61.1%, 10th of 11. Five years ago it was 1.89%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsUT banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 2.16% SF Square Finl Services Inc 33.75% QB Quill Bank 5.20% CN Column National Association 4.99% W Webbank 4.80% PA Prime Alliance Bank 3.41% MB Medallion Bank 2.16% CB Central Bank 2.03% WF Wells Fargo Trust Co. N.A. 2.02% SB State Bank of Southern Utah 1.73% NB Nelnet Bank 1.08% TA Transportation Alliance Bank D 1.05%
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, Transportation Alliance Bank D among them; owner-occupied excluded; bold marks a screen met
Transportation Alliance Bank DRankCohort median
Total CRE against capital, the 300% screen161%9th of 1124%
Construction against capital, the 100% screen92%9th of 110%
Construction and land development, share of loans13.8%8th of 101.1%
Non-owner-occupied nonfarm nonresidential, share of loans6.5%6th of 105.1%
Total CRE, the guidance definition, share of loans24.0%7th of 1013.0%
CRE growth over 36 months, the third prong+74.5%7th 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
Transportation Alliance Bank DCohort median
20212026Change20212026Change
Loans$1.12B$1.25B+12%$432M$1.36B+216%
Deposits$843M$1.38B+63%$411M$1.53B+272%
NPA / loans0.36%1.79%+1.44 pts0.33%0.59%+0.26 pts
Efficiency59.8%61.1%+1.3 pts51.9%37.6%-14.3 pts
ROA1.89%1.05%-0.84 pts1.89%2.16%+0.27 pts

This read was prepared for Transportation Alliance Bank D'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 Transportation Alliance Bank D 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.TABBANK.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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