Is My Money Safe at Holladay Bank&Trust?
Holladay Bank&Trust (FDIC cert #21448) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Holladay Bank&Trust carries a Bank Health Score of 98/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (88/100).
This page answers a common banking-safety question: Is My Money Safe at Holladay Bank&Trust?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Are your deposits at Holladay Bank&Trust protected?
Holladay Bank&Trust is FDIC-insured under certificate #21448. That means your deposits are guaranteed by the U.S. government up to $250,000 per depositor, per ownership category — and if the bank ever failed, the FDIC has historically made insured depositors whole within days, usually by the next business day. Checking, savings, money market, and CD balances are all covered; investment products like stocks, bonds, mutual funds, and annuities are not.
Because of that insurance, the practical question for most depositors is not whether your insured money is safe — it is — but whether Holladay Bank&Trust is financially healthy enough that your above-limit balances, business accounts, or banking relationship are on solid ground.Holladay Bank&Trust carries a Bank Health Score of 98/100 (grade A). Its Tier 1 capital ratio of 17.52% sits comfortably above the 8% "well-capitalized" threshold.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.52% | 100/100 |
| Nonperforming Loan Ratio | 0.07% | 99/100 |
| Liquidity Ratio | 29.16% | 97/100 |
| Return on Assets | 1.69% | 88/100 |
| Total Assets | $0.1B | |
How does Holladay Bank&Trust compare?
With a Bank Health Score of 98/100, Holladay Bank&Trust sits 18.0 points above the national average of 80/100 for FDIC-insured banks. Within Utah, where 41 FDIC-insured banks are headquartered, Holladay Bank&Trust ranks above the state average of 80/100 (Grade A).
The bank's Tier 1 capital ratio of 17.52% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.07% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Holladay Bank&Trust's Bank Health Score improved by 12.0 points to 98/100. Tier 1 capital was essentially flat at 17.52%. Quarter-over-quarter, the score rose by 3.0 points.
Frequently Asked Questions
Holladay Bank&Trust (FDIC cert #21448) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Holladay Bank&Trust carries a Bank Health Score of 98/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (88/100).
Yes. Holladay Bank&Trust (FDIC certificate #21448) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
Holladay Bank&Trust's Bank Health Score of 98/100 is 18.0 points above the Utah state average of 80/100. 41 FDIC-insured banks are headquartered in Utah.
More about Holladay Bank&Trust
Holladay Bank&Trust (FDIC cert #21448) is FDIC-insured, so deposits are protected up to $250,000 per depositor, per ownership category — even if the bank fails. On the underlying financials, Holladay Bank&Trust carries a Bank Health Score of 98/100 (grade A) from FDIC call report data, with its strongest factor being Tier 1 capital (100/100) and profitability its weakest (88/100).