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

Webbank

Salt Lake City, Utah · $2.86B in assets · beside the 10 other Utah banks between $1B and $3B

The filing

63.3%
Efficiency
11th of 11
16.7%
Equity / assets
3rd of 11
107.5%
Loans / deposits
8th of 10

Webbank is the second largest of the 11 Utah banks between $1B and $3B, with $2.86B in assets at 30 June 2026. Loans are 107.5% of deposits, 8th of 10 against a median of 91.2%, and equity is 16.7% of assets, 3rd of 11. Loans grew +34.6% in the year, 4th of 10, and deposits grew 33.7%; the cohort's median loan growth is +22.1%.

Noncurrent loans are 0.51% of the book, 5th of 10 against a median of 0.59%; 0.67% is 30 to 89 days past due, and the allowance covers them 2.0 times. Net charge-offs are 0.40% of loans, 4th of 10. Commercial real estate is 0.2% of loans, 3rd of 10 against a median of 13.0%, and 1% of capital, below the 300% screen, with construction at 0% against the 100% screen. CRE has grown +288.3% over 36 months, past the guidance's 50% prong.

Return on assets is 4.80%, 4th of 11 against a median of 2.16%, on an efficiency ratio of 63.3%, the highest in the cohort. Five years ago it was 2.09%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioUT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 37.6% WF Wells Fargo Trust Co. N.A. 3.9% SF Square Finl Services Inc 15.4% PA Prime Alliance Bank 20.6% MB Medallion Bank 27.7% QB Quill Bank 32.4% NB Nelnet Bank 37.6% CN Column National Association 38.9% SB State Bank of Southern Utah 46.1% CB Central Bank 49.1% TA Transportation Alliance Bank D 61.1% W Webbank 63.3%
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

Webbank is the 75th largest 7(a) lender into Utah of 235, with $8M across 25 loans, 0.1% of everything approved in the state (Zions Bank, A Division of leads with $814M). 30 of its 30 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

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
Denver, CO$2M93rd of 1930.1%quiet FY2008
Salt Lake, UT$2M85th of 1640.1%quiet FY2008
Carbon, WY$2M4th of 1811.5%quiet FY2008
Rich, UT$2M2nd of 1616.6%quiet FY2008
Natrona, WY$2M15th of 452.4%quiet FY2008
Adams, CO$1M94th of 1340.1%quiet FY2008
Sweetwater, WY$1M13th of 292.6%quiet FY2008
Campbell, WY$1M18th of 281.5%quiet FY2008
Davis, UT$955K61st of 1010.2%quiet FY2008
Jefferson, CO$790K121st of 1830.1%quiet FY2008
Weber, UT$756K61st of 870.2%quiet FY2008
Larimer, CO$753K87th of 1330.1%quiet FY2008
Box Elder, UT$545K22nd of 380.7%quiet FY2008
17 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
Construction8$6M24.8%0.02%518th of 2,063
Manufacturing7$3M13.8%0.01%889th of 2,246
Retail trade8$3M13.3%0.00%956th of 2,589
Arts, entertainment & recreation3$2M10.8%0.02%526th of 1,656
Accommodation & food services10$2M8.7%0.00%1251st of 2,596
7(a) lenders into Utah, share of approvals since FY2008235 lenders on record; the ten largest and Webbank
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 W Webbank 0.1% $8M · 25 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
WebbankRankCohort median
Total CRE against capital, the 300% screen1%4th of 1124%
Construction against capital, the 100% screen0%1st of 110%
Construction and land development, share of loans0.0%1st of 101.1%
Non-owner-occupied nonfarm nonresidential, share of loans0.2%4th of 105.1%
Total CRE, the guidance definition, share of loans0.2%3rd of 1013.0%
CRE growth over 36 months, the third prong+288.3%8th 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
WebbankCohort median
20212026Change20212026Change
Loans$2.37B$2.43B+3%$432M$1.36B+216%
Deposits$411M$2.26B+451%$411M$1.53B+272%
NPA / loans0.16%0.51%+0.35 pts0.33%0.59%+0.26 pts
Efficiency36.8%63.3%+26.5 pts51.9%37.6%-14.3 pts
ROA2.09%4.80%+2.72 pts1.89%2.16%+0.27 pts

This read was prepared for Webbank'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 Webbank 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.webbank.com

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