Bank Of Utah: Bank Stress & Real-Estate Credit Exposure

At 56/100, Bank Of Utah's DLRadar bank-stress reading is moderate; the institution is filed under FDIC Cert #17159. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Rather than a standalone rating, the moderate score is tied to real markets — every one of the 152 ZIP codes Bank Of Utah lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Bank Of Utah runs a compact, single-state real-estate lending footprint — 8 U.S. counties across 1 state, spanning 152 ZIP codes. Its heaviest exposure sits in Utah (8 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bank Of Utah's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The Bank Of Utah score updates as fresh FDIC call reports post each quarter, so its 56/100 reading and 8-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Bank Of Utah is directly comparable to any lender in the country. Bank Of Utah is held under Bou Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. A moderate score on a footprint this size means the markets Bank Of Utah touches inherit a corresponding share of that lending pressure. Its lending reaches counties such as Salt Lake County, UT, Utah County, UT, Washington County, UT, Box Elder County, UT, each tied back to DLRadar's distress signals.

For buyers, lender stress is an early map of supply: when Bank Of Utah pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.