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The First National Bank of Layton

Popular Accounts at this Bank

1.46%5-year CD60 Month CD
0.35%1-year CD12 Month CD
0.10%SavingsTraditional Savings

Overview / Commentary
12 South Main Street
Layton, UT 84041

The First National Bank of Layton is headquartered in Layton and is the 30th largest bank in the state of Utah. It is also the 2,128th largest bank in the nation. It was established in 1905 and as of December of 2016, it had grown to 87 employees at 8 locations. The First National Bank of Layton has an A+ health rating.

Fantastic Experience

Posted by: Anonymous | Aug 16, 2012

I had a great experience with First National Bank. I was referred to a loan officer from First National Bank who handled the refinance on my VA loan. The streamline process was efficient, and my loan officer did a great job communicating to me throughout the entire process. The best part: we signed the closing papers in the comfort of our own home! I think their level of customer service is unparalleled, and I have referred two of my Marine colleagues who also had positive experiences. I would refinance with them again.

What A Joke

I worked with First National Bank on a Mortgage.  The Loan Officer and Underwritter kept asking for the same paperwork over and over.  They needed paystubs for over 6 weeks because they were so slow in underwriting. 

I talked to the "Manager" Monica who gave me the run around more than my loan officer did.  I kept calling branches and was given the name of Jonathan Pocock.  I left 5 messages and never got a return call.  What a terrible experience.  Go anywhere else but First national bank of layton.

Mortgage Loans

Posted by: Phil | Oct 6, 2011

I personally recommend anyone but First National Bank for your mortgage loan. I had the worst experience. A friend recommended them, which he apologized for later, and so I went in to get things started. I was told, "If anyone can get you done, we can." We got everything going and after a week and a half, I followed up to see how things were going. I was told, "Everything looks good. We should close this week." And nothing. I waited another week and called back to see how things were going and was told, "I had my underwriter look at it and she said everything looks good, we should close by the end of the week." And...nothing. This goes on for a month. I call again and she tells me, "Well we may need a co-signer, my underwriter is going to look at it." Ummm I thought she already did, at least three times before. But as anyone would guess, may need means you do need. So I go to Wells Fargo. They had me approved in a week. :) A month later I get a bill from First National saying I owe them $400.00 for an appraisal. So I call my loan officer and ask him about it. He asks me why would they do an appraisal before they had you approved? So I go to pay the bill (because it will apparently go to collections if I don't and you can't have that if your closing on a home) and ask why. They told me, "We never approve a construction loan without an appraisal." Makes sense, but why not get everything "looking good" first so all you have left to finalize a loan is the appraisal? That makes more sense, right? All in all, it was a horrible experience, I felt like no one knew what they were doing and it wasted a month and a half of building time and $400.00 for an unnecessary appraisal. Please stay away from First National Bank. It's a waste of your time and money.

Tickled Pink By The Service

Posted by: Anonymous | Apr 12, 2012

I worked with First National Bank, and they were totally helpful. I was so stressed during the process, and they were great about letting me know where we were in the loan. I felt like they kept me informed every step of the way. I HIGHLY recommend them. They were fantastic!

Next time I buy a house, I'm going to them. :)



Health Grade Components

FDIC Certificate #2260
Year Established1905
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.52%
Return on Equity - YTD11.68%
Annual Interest Income$13.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$314.4MM$297.9MM
LoansQ4 2016vs Q4 2015$216.3MM$185.5MM
DepositsQ4 2016vs Q4 2015$270.6MM$255.8MM
Equity CapitalQ4 2016vs Q4 2015$40.3MM$38.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$4.0MM$3.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$740.00K$555.00K
Real Estate OwnedQ4 2016vs Q4 2015$565.00K$1.8MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Layton Savings Account Rates

0.15%*$5k*-Ultimate Savings
OTHER TIERS: 0.10% Up to $5k
0.10%--Traditional Savings
0.10%$25-IRA Savings

The First National Bank of Layton Money Market Rates

0.50%*$5m*-Business MMDA Accounts
OTHER TIERS: 0.07% $1k - $50k | 0.10% $50k - $100k | 0.15% $100k - $5mm
0.15%*$100k*-MMDA Account
OTHER TIERS: 0.07% $1k - $50k | 0.10% $50k - $100k

The First National Bank of Layton Checking Account Rates

0.10%*$100k*-Legacy Checking
OTHER TIERS: 0.05% $1k - $100k
0.10%*$50k*-Interest Checking
OTHER TIERS: 0.08% $10k - $50k
0.10%*$100k*-Business Plus Checking
OTHER TIERS: 0.05% $1k - $100k

The First National Bank of Layton CD Rates

1.46%$500-60 Month CD
1.00%$500-48 Month CD
0.75%$500-36 Month CD
0.50%$500-24 Month CD
0.35%$500-12 Month CD
0.25%$500-6 Month CD
0.15%$500-3 Month CD
0.10%$500-30 Day CD

The First National Bank of Layton IRA Rates

1.46%$500-60 Month IRA
1.00%$500-48 Month IRA
0.75%$500-36 Month IRA
0.50%$500-24 Month IRA
0.35%$500-12 Month IRA
0.25%$500-6 Month IRA

The First National Bank of Layton Locations
The First National Bank Of Layton12 South Main StreetLayton, UT 84041
Draper Office Branch136 West 12300 SouthDraper, UT 84020
Layton Hills Branch1601 North Hill Field RoadLayton, UT 84041
Bountiful Branch207 South MainBountiful, UT 84010
Salt Lake City Branch480 East 400 SouthSalt Lake City, UT 84111
Clearfield Branch690 South State StreetClearfield, UT 84015
Fairfield Branch980 North Fairfield RoadLayton, UT 84041