Holladay Bank & Trust


2020 East 4800 South Street
Salt Lake City, UT 84117
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Holladay Bank & Trust is an FDIC insured institution located in Salt Lake City, UT. It was founded in 1974 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 21448
Date Established 1974
Assets $ 60.11 million
Loans $ 39.08 million
Deposits $ 49.52 million
Capital $ 10.01 million

For a more detailed analysis of Holladay Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Holladay Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Holladay Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.


Holladay Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Holladay Bank & Trust Locations

Financial Details

Holladay Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Holladay Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Holladay Bank & Trust U.S. Bank Average
6.12% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Holladay Bank & Trust had $672,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,008,000 in equity and $974,000 in loans loss reserves. That gives it a Texas Ratio of 6.12%.

Return on Equity
Holladay Bank & Trust U.S. Bank Average
5.67% 7.80%

Holladay Bank & Trust has a Return on Equity of 5.67% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Holladay Bank & Trust U.S. Bank Average
16.65% 12.68%

Holladay Bank & Trust has a Capitalization of 16.65% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Holladay Bank & Trust Balance Sheet Analysis

As of March 31, 2020, Holladay Bank & Trust had assets of $60,113,000, loans of $39,082,000, and deposits of $49,524,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 15.53 million
Interest-bearing balances $ 15.00 million
Total securities $ 2.36 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 39.08 million
Loan loss allowance $ 0.97 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.93 million
     Total Assets $ 50.11 million
Total deposits $ 49.52 million
      Interest-bearing deposits $ 34.38 million
      Deposits held in domestic offices $ 49.52 million
      % insured (estimated) 84.64%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.58 million
      Total Liabilities $ 50.11 million
      Shareholders’ Equity $ 10.01 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 0.74 million
Total Interest Expense $ 0.11 million
Net interest income $ 0.63 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.02 million
Total non interest expense $ 0.47 million
Pre-tax Net Operating Income $ 0.19 million

Bank Loan Profile?

The top three loan types in Holladay Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Utah, Holladay Bank & Trust has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages, Small Business Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.21
Credit Card Loans 0.20
Consumer Auto Loans 3.06
Small Business Loans 23.20
Construction and Development Loans 17.41
Commercial Real Estate 34.72
Commercial and Industrial Loans 7.28
Farm Loans 0.00

Frequently Asked Questions About Holladay Bank & Trust

Branches and Savings

Is Holladay Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #21448.

Why does Holladay Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Holladay Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Holladay Bank & Trust a commercial bank?


Where are Holladay Bank & Trust locations?

See branch locations nearby.

Is Holladay Bank & Trust open on Saturdays?

Is Holladay Bank & Trust open on Sundays?

What time does Holladay Bank & Trust open?

What time does Holladay Bank & Trust close?

Are Holladay Bank & Trust ATMs Open 24/7?

Do Holladay Bank & Trust ATMs accept cash deposits?

Can Holladay Bank & Trust customers use other ATMs?

Do Holladay Bank & Trust branches have notaries?

Will Holladay Bank & Trust notarize my document?

What address for Holladay Bank & Trust should I put for incoming ACH transfers?

Will the Holladay Bank & Trust branch print checks?

Do Holladay Bank & Trust checks expire?

Does Holladay Bank & Trust require US citizenship to open account?

Can Holladay Bank & Trust close my account?

Does Holladay Bank & Trust Report to credit bureaus?

Does Holladay Bank & Trust Use Equifax?

What is Holladay Bank & Trust's ACH Routing Number?

What is Holladay Bank & Trust's SWIFT code?


Does Holladay Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Holladay Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Holladay Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Holladay Bank & Trust offer student loans?

Will Holladay Bank & Trust cash a check?

Will Holladay Bank & Trust redeem a savings bond?

Does Holladay Bank & Trust cash savings bonds?

Will Holladay Bank & Trust cash money orders?

Can Holladay Bank & Trust issue a money order?

Does Holladay Bank & Trust do currency exchange?

Background on The Bank

Who owns Holladay Bank & Trust?

How long has Holladay Bank & Trust been around?

Can Holladay Bank & Trust transfer to other banks?

Does Holladay Bank & Trust have quick pay?

Does Holladay Bank & Trust accept rolled coins?

Will Holladay Bank & Trust accept loose change?

Where is Holladay Bank & Trust headquarters?

Customer Reviews for Holladay Bank & Trust

There are currently no comments for Holladay Bank & Trust. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →