First Electronic Bank vs Holladay Bank&Trust
Side-by-side bank health comparison using FDIC financial data
First Electronic Bank (A) and Holladay Bank&Trust (A) are close on the BankHealth rubric. Asset bases: $429M versus $62M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
First Electronic Bank has a stronger Bank Health Score of 100/100 (A) compared to Holladay Bank&Trust at 98/100 (A), a difference of 2 points. First Electronic Bank holds a Tier 1 capital ratio of 62.2% and an NPL ratio of 0.00%.
| Metric | First Electronic Bank | Holladay Bank&Trust |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 98/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 62.2%* | 17.5% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 60.4%* | 29.2% |
| Return on Assets Profitability metric (above 1% is strong) | 19.8%* | 1.7% |
| Total Assets | $429M | $62M |
| Total Deposits | $310M | $50M |
| Location | Salt Lake City, Utah | Salt Lake City, Utah |
First Electronic Bank has a stronger Bank Health Score of 100/100 (A) compared to Holladay Bank&Trust at 98/100 (A), a difference of 2 points. First Electronic Bank holds a Tier 1 capital ratio of 62.2% and an NPL ratio of 0.00%.