Compared with Utah
6 of 15
compared fees are above the median.
6 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
8th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Utah median
of 15 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for Bank of Utah at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Utah median | Published fees above the Utah median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bank of Utah's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.5% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (8th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $175K in Q2 2026, 14% above the same quarter a year earlier ($153K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 15 compared published fees sit above the Utah median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Utah medians for fees published by banks and credit unions.
Cashier's Check
Compared at $4, the middle of its prices
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 8.4% from Q3 2025 to Q2 2026, to $175K. Its share of revenue, 0.5%, is below the 2.2% median for banks with $1B to $10B in assets.
$175K
Bank of UtahMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $20 to $25; we compare the highest.
Bank of Utah · $3.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bank of Utah(this institution) | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Capital Bank, National Association | Rockville, MD | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Bank & Trust Co. | Lexington, KY | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Capital Bank, SSB | Houston, TX | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Bank | Batesville, AR | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Bank | Bluefield, VA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First PREMIER Bank | Sioux Falls, SD | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frandsen Bank & Trust | Lonsdale, MN | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Bank and Trust Company | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence Bank of Kentucky | Owensboro, KY | $3.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Manasquan Bank | Manasquan, NJ | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MVB Bank, Inc | Fairmont, WV | $3.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old Plank Trail Community Bank, National Association | New Lenox, IL | $3.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Bank & Trust | Prattville, AL | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Bank of Kansas City | Kansas City, KS | $3.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Savings Bank | Cincinnati, OH | $4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West Bank | West Des Moines, IA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.98 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Bank of Utah does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Bank of Utah (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $175K | +$6K | +3.6% |
| Q1 2026 | $169K | +$3K | +1.8% |
| Q4 2025 | $166K | −$25K | −13.1% |
| Q3 2025 | $191K | +$38K | +24.8% |
| Q2 2025 | $153K | −$16K | −9.5% |
| Q1 2025 | $169K | +$1K | +0.6% |
| Q4 2024 | $168K | +$8K | +5.0% |
| Q3 2024 | $160K | −$3K | −1.8% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Bank of Utah left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Bank of Utah by share.
Amounts from Bank of Utah’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account balancing assistance | $10.00/hour
per hour · Account research | $15.00/hour
per item
per year
per year
per year
per year
per year
per page · Photocopies/fax | $1.00/page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early closure (within 90 days of account opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive fee (no activity for 12 mos/DDA and 12 mos/Savings) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing assistance | $10Not compared: Charged per hour; comparison unavailable | per hour | Account balancing assistance | $10.00/hour |
| Account research | $15Not compared: Charged per hour; comparison unavailable | per hour | Account research | $15.00/hour |
Overdraft & NSF | |||
| Overdraft paid item fee | $20Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft paid item fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF returned item fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Online Banking Wire Transfers - Outgoing | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfers - Wire Out Fee | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Online Banking Wire Transfers - Foreign | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire transfers - Foreign Wire Out Fee | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Checks - Customer | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Checks - Non-customer | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders - Customer | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Items | $15Inside the U.S. middle 50% ($10 to $26.13 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance - Customer | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Chargeback fee | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (for Non-Customers) | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopies/fax | $1Not compared: Charged per page; comparison unavailable | per page | Photocopies/fax | $1.00/page |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 25, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Bank of Utah operates, and what regulators and customers have on file.
Branch footprint
19 offices in 1 state, $3.0B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $1.9B | |
| 4 | $409.2M | |
| 3 | $284.9M | |
| Outside a metro area | 3 | $188.6M |
| 2 | $151.8M | |
| 1 | $33.0M |
Ogden, UT
19.9% of bank deposits, #1 of 14, up 7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Zions Bancorporation, N.A. | 18.5% |
| Transportation Alliance Bank, Inc. d/b/a TAB Bank | 14.5% |
| Wells Fargo Bank, National Association | 12% |
| Prime Alliance Bank | 10.2% |
| JPMorgan Chase Bank, National Association | 8.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Ogden, UT, Bank of Utah holds 19.9% of bank deposits, #1 of 14, with 6 offices.
153 offices of 30 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 14 institutions shown. $9.5B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 19.9% share, 6 offices, #1 of 14
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
86 offices of 18 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.