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FDIC Call Report Analysis

Which Utah Banks Are Actually Growing Their CRE Book — And Who To Call

36 institutions qualified in Utah: at least one branch in the state (FDIC SOD 2025) and a CRE book of $100m or more. Figures below are institution-level and unprorated — a bank lending in multiple states shows its full CRE book on every state page where it qualifies, not a state-prorated share.

Largest CRE Books, Headquartered in Utah

10 of 15 Utah-headquartered institutions.

#InstitutionCRE bookContact
1Zions Bancorporation, N.A.
Salt Lake City · FDIC Cert #2270
$15.05bnContact available
2Ally Bank
Sandy · FDIC Cert #57803
$3.47bnContact available
3Sunwest Bank
Sandy · FDIC Cert #20164
$1.53bnContact available
4Bank of Utah
Ogden · FDIC Cert #17159
$1.35bnContact available
5Cache Valley Bank
Logan · FDIC Cert #22134
$1.17bnContact available
6State Bank of Southern Utah
Cedar City · FDIC Cert #17964
$1000mContact available
7Central Bank
Provo · FDIC Cert #9204
$613mContact available
8Quill Bank
Provo · FDIC Cert #33823
$322mNo contact yet
9Transportation Alliance Bank, Inc. d/b/a TAB Bank
Ogden · FDIC Cert #34781
$300mContact available
10First Utah Bank
Salt Lake City · FDIC Cert #22738
$249mContact available

Fastest Growing

Top 10 by organic growth. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.

#InstitutionOrganic growthContact
1Ally Bank
Sandy · FDIC Cert #57803
+40.5% +$999mContact available
2Banterra Bank
Marion · FDIC Cert #17514
+18.4% +$112mNo contact yet
3Stride Bank, National Association
Enid · FDIC Cert #4091
+13.1% +$102mContact available
4D. L. Evans Bank
Burley · FDIC Cert #11666
+11.0% +$50mContact available
5Cache Valley Bank
Logan · FDIC Cert #22134
+9.5% +$101mContact available
6Regions Bank
Birmingham · FDIC Cert #12368
+9.0% +$902mContact available
7BMO Bank National Association
Chicago · FDIC Cert #16571
+8.9% +$1.69bnContact available
8Bank of Utah
Ogden · FDIC Cert #17159
+7.2% +$91mContact available
9Fortis Bank
Denver · FDIC Cert #34401
+6.0% +$20mContact available
10Quill Bank
Provo · FDIC Cert #33823
+5.4% +$16mNo contact yet

National and Regional Lenders with Branches Here

Top 20 by CRE book size.

#InstitutionCRE bookContact
1Wells Fargo Bank, National Association
Sioux Falls · FDIC Cert #3511
$103.80bnContact available
2Bank of America, National Association
Charlotte · FDIC Cert #3510
$55.21bnContact available
3U.S. Bank National Association
Cincinnati · FDIC Cert #6548
$41.71bnContact available
4BMO Bank National Association
Chicago · FDIC Cert #16571
$20.67bnContact available
5Columbia Bank
Roseburg · FDIC Cert #17266
$19.47bnContact available
6Zions Bancorporation, N.A.
Salt Lake City · FDIC Cert #2270
$15.05bnContact available
7KeyBank National Association
Cleveland · FDIC Cert #17534
$14.14bnContact available
8Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
9WaFd Bank
Seattle · FDIC Cert #28088
$9.07bnContact available
10Glacier Bank
Kalispell · FDIC Cert #30788
$8.93bnContact available
11MidFirst Bank
Oklahoma City · FDIC Cert #4063
$6.58bnContact available
12Ally Bank
Sandy · FDIC Cert #57803
$3.47bnContact available
13NBH Bank
Greenwood Village · FDIC Cert #59052
$2.87bnContact available
14Sunwest Bank
Sandy · FDIC Cert #20164
$1.53bnContact available
15Bank of Utah
Ogden · FDIC Cert #17159
$1.35bnContact available
16Cache Valley Bank
Logan · FDIC Cert #22134
$1.17bnContact available
17State Bank of Southern Utah
Cedar City · FDIC Cert #17964
$1000mContact available
18Stride Bank, National Association
Enid · FDIC Cert #4091
$883mContact available
19Banterra Bank
Marion · FDIC Cert #17514
$723mNo contact yet
20Central Bank
Provo · FDIC Cert #9204
$613mContact available

National institutions

These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: Morgan Stanley Bank, National Association (FDIC Cert #32992); Optum Bank, Inc. (FDIC Cert #57408); Goldman Sachs Bank USA (FDIC Cert #33124); JPMorgan Chase Bank, National Association (FDIC Cert #628); UBS Bank USA, National Association (FDIC Cert #57565).


Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.

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