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Overview / Commentary
4185 Harrison Boulevard, Suite 200
Ogden, UT 84403

Transportation Alliance Bank, Inc. is headquartered in Ogden and is the 27th largest bank in the state of Utah. It is also the 1,110st largest bank in the nation. It was established in 1998 and as of June of 2014, it had grown to 197 employees at 1 location. Transportation Alliance Bank, Inc. has a B+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Transportation Alliance Bank, Inc. had $11.34 million in non-current loans and owned real-estate with $85.63 million in equity and loan loss allowances on hand to cover it. This gives Transportation Alliance Bank, Inc. a Texas Ratio of 13.24% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Transportation Alliance Bank, Inc. decreased dramatically from 26.90% as of June 30, 2013 to 13.24% as of June 30, 2014, resulting in a positive change of 50.76%.This indicates that the balance sheet and financial strength for Transportation Alliance Bank, Inc. has improved dramatically in recent periods.

Deposit Growth


In the past year, Transportation Alliance Bank, Inc. has decreased its total deposits by -$92.85 million, resulting in -15.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Transportation Alliance Bank, Inc. has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Transportation Alliance Bank, Inc. has $605.79 million in assets with $85.63 million in equity, resulting in a capitalization level of 14.14%, which is excellent.

Institution Statistics

FDIC Certificate #34781
Year Established1998
Primary RegulatorFDIC
Assets and Liabilities
Assets$605.79 million
Loans$468.86 million
Deposits$523.76 million
Equity Capital$75.93 million
Loan Loss Allowance$9.70 million
Unbacked Noncurrent Loans$8.76 million
Real Estate Owned$2.59 million
Historic Data - June 2013
Assets$692.74 million
Equity Capital$71.37 million
Loan Loss Allowance$9.26 million
Unbacked Noncurrent Loans$8.76 million
Real Estate Owned$500,000
Profit Margin - Quarterly
Return on Assets1.24%
Return on Equity10.42%
Interest Income$21.68 million
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Transportation Alliance Bank, Inc. Savings Account Rates

0.25%$100-IRA Savings Account
0.25%$25-Premium Savings Account
0.25%--Health Savings NOW Account
0.25%$100-Roth IRA Savings Account
0.25%$100-Coverdell Education Savings Account

Transportation Alliance Bank, Inc. Money Market Rates

0.25%--Money Market Account

Transportation Alliance Bank, Inc. CD Rates

1.51%$1k-60 Month CD
1.31%$1k-48 Month CD
1.14%$1k-36 Month CD
1.01%$1k-24 Month CD
0.65%$1k-12 Month CD
0.40%$1k-6 Month CD
0.20%$1k-3 Month CD

Transportation Alliance Bank, Inc. IRA Rates

1.51%$1k-60 Month IRA CD
1.31%$1k-48 Month IRA CD
1.14%$1k-36 Month IRA CD
1.01%$1k-24 Month IRA CD
0.65%$1k-12 Month IRA CD
0.40%$1k-6 Month IRA CD
0.20%$1k-3 Month IRA CD

Transportation Alliance Bank, Inc. Locations
Transportation Alliance Bank, Inc.4185 Harrison Boulevard, Suite 200Ogden, UT 84403