Quill Bank (FDIC #33823): Bank Stress & Real-Estate Credit Exposure

Quill Bank (FDIC Cert #33823): bank stress 25/100, contained, STABLE over 7 days; parent QUILL FINANCIAL INC.

Quill Bank (#33823) lends in 3 counties across 1 state; Quill Bank (#33823) reaches 88 ZIP codes: Utah 3 counties, 88 ZIPs.

Quill Bank (#33823) largest markets: Salt Lake County, UT (42 branches, 42 ZIPs) (#33823), Utah County, UT (156 branches, 26 ZIPs) (#33823), Washington County, UT (21 branches, 21 ZIPs) (#33823).

Quill Bank (#33823) reports $1.56 billion in total assets; Quill Bank (#33823) equity $220.0 million (14.1% of Quill Bank (#33823) assets); Quill Bank (#33823) domestic deposits $1.31 billion; Quill Bank (#33823) net income $39.6 million; Quill Bank (#33823) return on assets 5.29%; Quill Bank (#33823) return on equity 38.07%; Quill Bank (#33823) net interest income $116.6 million; Quill Bank (#33823) call report June 30, 2026.

Quill Bank (#33823) noncurrent real-estate loans: none reported; Quill Bank (#33823) net charge-offs on real estate 3.96%; Quill Bank (#33823) multifamily charge-offs 6.86%; Quill Bank (#33823) residential charge-offs 4.71%.

Quill Bank (#33823) net interest margin 16.84% against an eight-quarter Quill Bank (#33823) average of 15.72% (Quill Bank (#33823) compression -1.12 points); Quill Bank (#33823) non-residential real estate 471.1% of equity; Quill Bank (#33823) rate-exposure score 40/100, Quill Bank (#33823) fixed-rate trap 40/100; Quill Bank (#33823) risk type rate trapped; Quill Bank (#33823) rate regime rates elevated, Quill Bank (#33823) snapshot October 19, 2026.

Quill Bank (#33823) stress score moved from 27.1 on June 22, 2026 to 24.7 on October 19, 2026; Quill Bank (#33823) ranged 24.7 to 27.1 over 116 snapshots.

Quill Bank (#33823) alerts: 3 counties; top Quill Bank (#33823) alert scores: Saint George County, UT 15 (low); Sandy County, UT 15 (low); Spanish Fork County, UT 15 (low).