Transportation Alliance Bank, Inc. Dba Tab Bank
Ogden, UT·RSSD 2736219·FDIC 34781·bank:2736219·CBLR opted in
- #27 of 45Total assets in Utah
- 1offices
- 297employees
- Top 1%Net interest margin in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Transportation Alliance Bank, Inc. Dba Tab Bank
8 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Deposit costs falling faster than peersStrength: Funding 2nd quarter3.38%peers 1.93%+145 bps
Transportation Alliance Bank, Inc. Dba Tab Bank's cost of all deposits fell 70 bps over the past year to 3.38%. Among 625 similar banks, the median fell 18 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.38% | 1.93% | +145 bps |
| 12-month change | ||
| -70 bps | -18 bps | -52 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Transportation Alliance Bank, Inc. Dba Tab Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality 2nd quarter1.61%peers 0.02%+159 bps
Transportation Alliance Bank, Inc. Dba Tab Bank's annualized net charge-off rate fell 155 bps over the past year to 1.61%. Among 623 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.61% | 0.02% | +159 bps |
| 12-month change | ||
| -155 bps | 0 bps | -155 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Transportation Alliance Bank, Inc. Dba Tab Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings1.50%peers 1.26%+24 bps
Transportation Alliance Bank, Inc. Dba Tab Bank's annualized return on assets rose 101 bps over the past year to 1.50%. Among 628 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.50% | 1.26% | +24 bps |
| 12-month change | ||
| +101 bps | +14 bps | +86 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Transportation Alliance Bank, Inc. Dba Tab Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-4.4%peers +5.8%-10.2 pp
Transportation Alliance Bank, Inc. Dba Tab Bank's loans declined 4.4% over the past year to $1.3 billion. The median among 624 similar banks was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -4.4% | +5.8% | -10.2 pp |
| Loans | ||
| $1.3 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Transportation Alliance Bank, Inc. Dba Tab Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital11.74%peers 10.54%+1.2 pp
Transportation Alliance Bank, Inc. Dba Tab Bank's leverage ratio rose 1.5 percentage points over the past year to 11.74%. Among 629 similar banks, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.74% | 10.54% | +1.2 pp |
| 12-month change | ||
| +1.5 pp | +0.3 pp | +1.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Transportation Alliance Bank, Inc. Dba Tab Bank itself is left out of every peer median and percentile. How signals work
3 more observations
- Deposit costs among the highest of similar banksFunding
- Problem loans falling while the peer median risesAsset quality
- Borrowed funding falling while the peer median holds steadyFunding
Key facts
- Transportation Alliance Bank, Inc. Dba Tab Bank is a bank headquartered in Ogden, Utah. It reported $1.6 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.4 billion, up 0.4% from a year earlier, and loans totaled $1.3 billion, down 4.4%.
- Its net interest margin was 6.71% and its annualized return on assets was 1.50% for the quarter.
- Its cost of all deposits was 3.38%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Transportation Alliance Bank, Inc. Dba Tab Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Transportation Alliance Bank, Inc. Dba Tab Bank · Bank
- Federal Reserve RSSD
- 2736219
- FDIC certificate
- 34781
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Transportation Alliance Bank, Inc. Dba Tab Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $5.97M | — | |
| $36.79M | — | |
| $11.68M | — | |
| $25.11M | — | |
| $4.19M | — | |
| $17.41M | — | |
| $3.92M | — | |
| $3.91M | — | |
| 1.50% | 1.50%ROAQ · Quarter | |
| 6.71% | 6.69%NIMYQ · Quarter | |
| 59.39% | 59.39%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.