Bank · FDIC insured
UIB
A $170.9M bank headquartered in Salina, UT, with 4 branches in Utah. Best rates: CDs 4.32% and savings 0.30% APY.
UIB Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#53 of 69 in UtahHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About UIB
- Headquarters
- 55 S State St, Salina, UT 84654
- FDIC certificate
- 22514 ↗
Branches
4 branches in Utah
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Utah
4 branches
Salina area · 1
- Utah Independent BankMain office55 S State St, Salina, UT 84654Directions
Beaver area · 1
- Beaver Branch195 N Main St, Beaver, UT 84713Directions
Milford area · 1
- Milford Branch326 S Main St, Milford, UT 84751Directions
Monroe area · 1
- Monroe Branch45 W Center St, Monroe, UT 84754Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 16.31% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.82% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 3.43% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio16.31%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.82%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets3.43%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of UIB are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.