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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Salt Lake City, UT · FDIC certificate #59177 · RSSD 5582846
SQUARE FINL SERVICES INC is an FDIC-insured institution based in Salt Lake City, UT (FDIC certificate #59177). In its Q3 2026 Call Report it reported total assets of $2.8B, total deposits of $1.1B and net loans of $1.3B. Its primary federal regulator is FDIC.
Plain-language readout
SQUARE FINL SERVICES INC is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: SQUARE FINL SERVICES INC reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Common equity tier 1 ratio: SQUARE FINL SERVICES INC reported 0.960, in the 99.1th percentile of 673 peers, where the median is 0.135. Selected CRE loans to gross loans and leases: SQUARE FINL SERVICES INC reported 0.000, in the 0.0th percentile of 862 peers, where the median is 0.468. Selected CRE loans to total capital: SQUARE FINL SERVICES INC reported 0.000, in the 0.0th percentile of 659 peers, where the median is 2.970. Deposit funding ratio: SQUARE FINL SERVICES INC reported 0.272, in the 0.8th percentile of 902 peers, where the median is 0.850. Nontrading derivative fair value to assets: SQUARE FINL SERVICES INC reported 0.000, in the 0.0th percentile of 533 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: SQUARE FINL SERVICES INC reported 0.154, in the 0.3th percentile of 887 peers, where the median is 0.596. Bank equity to assets: SQUARE FINL SERVICES INC reported 0.658, in the 99.4th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: SQUARE FINL SERVICES INC reported 0.347, in the 84.5th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: SQUARE FINL SERVICES INC reported 0.223, in the 98.8th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: SQUARE FINL SERVICES INC reported 0.625, in the 20.9th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: SQUARE FINL SERVICES INC reported 2.490, in the 99.9th percentile of 890 peers, where the median is 0.881. Net interest margin: SQUARE FINL SERVICES INC reported 42.732, in the 100.0th percentile of 902 peers, where the median is 3.704. Net loans and leases: SQUARE FINL SERVICES INC reported 1286696.000, in the 46.4th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: SQUARE FINL SERVICES INC reported 0.007, in the 63.4th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: SQUARE FINL SERVICES INC reported 0.007, in the 60.5th percentile of 887 peers, where the median is 0.005. Return on assets: SQUARE FINL SERVICES INC reported 37.849, in the 100.0th percentile of 902 peers, where the median is 1.260. Return on equity: SQUARE FINL SERVICES INC reported 59.970, in the 99.8th percentile of 894 peers, where the median is 12.185. Securities to assets: SQUARE FINL SERVICES INC reported 0.005, in the 2.8th percentile of 895 peers, where the median is 0.147. Total assets: SQUARE FINL SERVICES INC reported 2057172.000, in the 50.9th percentile of 902 peers, where the median is 2016575.000. Total deposits: SQUARE FINL SERVICES INC reported 559348.000, in the 0.8th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): SQUARE FINL SERVICES INC reported 0.154, in the 0.6th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): SQUARE FINL SERVICES INC reported 0.400, in the 100.0th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.366, in the 100.0th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.003, in the 1.7th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: SQUARE FINL SERVICES INC reported 0.363, in the 100.0th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.343, in the 99.5th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.109, in the 98.7th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: SQUARE FINL SERVICES INC reported 0.126, in the 99.9th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: SQUARE FINL SERVICES INC reported 0.471, in the 100.0th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.471, in the 100.0th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.354, in the 100.0th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.354, in the 100.0th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.909, in the 5.3th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.284, in the 1.5th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: SQUARE FINL SERVICES INC reported 0.403, in the 100.0th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: SQUARE FINL SERVICES INC reported 0.400, in the 100.0th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: SQUARE FINL SERVICES INC reported 0.144, in the 100.0th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: SQUARE FINL SERVICES INC reported 0.030, in the 98.8th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: SQUARE FINL SERVICES INC reported 2.300, in the 99.9th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: SQUARE FINL SERVICES INC reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: SQUARE FINL SERVICES INC reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: SQUARE FINL SERVICES INC reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): SQUARE FINL SERVICES INC reported 0.597, in the 100.0th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): SQUARE FINL SERVICES INC reported 0.354, in the 100.0th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): SQUARE FINL SERVICES INC reported 0.600, in the 99.8th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: SQUARE FINL SERVICES INC reported 0.304, in the 48.3th percentile of 829 peers, where the median is 0.310.
Peer history below covers 7 quarters of SQUARE FINL SERVICES INC's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Common equity tier 1 ratio | 0.960 | 0.135 | 99.1th | 673 |
| Selected CRE loans to gross loans and leases | 0.000 | 0.468 | 0.0th | 862 |
| Selected CRE loans to total capital | 0.000 | 2.970 | 0.0th | 659 |
| Deposit funding ratio | 0.272 | 0.850 | 0.8th | 902 |
| Nontrading derivative fair value to assets | 0.000 | 0.000 | 0.0th | 533 |
| Unadjusted YTD efficiency ratio | 0.154 | 0.596 | 0.3th | 887 |
| Bank equity to assets | 0.658 | 0.104 | 99.4th | 894 |
| Cash and securities to assets | 0.347 | 0.208 | 84.5th | 895 |
| Quarterly loan growth | 0.223 | 0.018 | 98.8th | 886 |
| Loan-to-asset ratio | 0.625 | 0.732 | 20.9th | 902 |
| Domestic loans to domestic deposits | 2.490 | 0.881 | 99.9th | 890 |
| Net interest margin | 42.732 | 3.704 | 100.0th | 902 |
| Net loans and leases | 1286696.000 | 1384981.000 | 46.4th | 902 |
| Nonaccrual loans ratio | 0.007 | 0.005 | 63.4th | 887 |
| Noncurrent loans ratio | 0.007 | 0.005 | 60.5th | 887 |
| Return on assets | 37.849 | 1.260 | 100.0th | 902 |
| Return on equity | 59.970 | 12.185 | 99.8th | 894 |
| Securities to assets | 0.005 | 0.147 | 2.8th | 895 |
| Total assets | 2057172.000 | 2016575.000 | 50.9th | 902 |
| Total deposits | 559348.000 | 1666886.000 | 0.8th | 902 |
| Efficiency ratio (official UBPR) | 0.154 | 0.591 | 0.6th | 875 |
| Net interest margin (official UBPR) | 0.400 | 0.036 | 100.0th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.366 | 0.052 | 100.0th | 875 |
| Interest Expense as a percent of Average Assets | 0.003 | 0.018 | 1.7th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.363 | 0.035 | 100.0th | 875 |
| Noninterest Income as a percent of Average Assets | 0.343 | 0.006 | 99.5th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.109 | 0.024 | 98.7th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.126 | 0.001 | 99.9th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.471 | 0.016 | 100.0th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.471 | 0.016 | 100.0th | 875 |
| Net Operating Income as a percent of Average Assets | 0.354 | 0.013 | 100.0th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.354 | 0.012 | 100.0th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.909 | 0.956 | 5.3th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.284 | 0.723 | 1.5th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.403 | 0.055 | 100.0th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.400 | 0.037 | 100.0th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.144 | 0.000 | 100.0th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.030 | 0.003 | 98.8th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 2.300 | 0.872 | 99.9th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.597 | 0.017 | 100.0th | 875 |
| Return on assets (official UBPR) | 0.354 | 0.013 | 100.0th | 875 |
| Return on equity (official UBPR) | 0.600 | 0.122 | 99.8th | 874 |
| Estimated uninsured to domestic deposits | 0.304 | 0.310 | 48.3th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | P25–75 | P25–75 | — |
| Return on assetsROA | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Return on equityROE | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Net interest marginNIMY | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.