This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Salt Lake City, UT
Health score
62.4
Total assets
$2.1B
Bank
Ogden, UT
Health score
72.4
Total assets
$1.6B
Answer first
Square Financial Services, Inc. leads on capitalization and profitability and lending quality and growth; Transportation Alliance Bank, Inc. d/b/a TAB Bank leads on financial health. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Transportation Alliance Bank, Inc. d/b/a TAB Bank
Higher TFS health score
Capitalization
Square Financial Services, Inc.
Higher comparable capital ratio
Profitability
Square Financial Services, Inc.
Higher return on assets
Lending quality
Square Financial Services, Inc.
Lower problem-loan measure
Growth
Square Financial Services, Inc.
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Square Financial Services, Inc. | Transportation Alliance Bank, Inc. d/b/a TAB Bank |
|---|---|---|
| TFS health score | 62.4/100 | 72.4/100Leads |
| Total assets | $2.1B | $1.6B |
| Total deposits / shares | $559.3M | $1.4B |
| Tier 1 capital ratio | 65.19%Leads | 11.74% |
| Return on assets | 37.85%Leads | 1.05% |
| Return on equity | 59.97% |
Square Financial Services, Inc.
1 branches
Transportation Alliance Bank, Inc. d/b/a TAB Bank
1 branches
Both institutions report branches in 1 state: UT.
Square Financial Services, Inc.
Unavailable
Transportation Alliance Bank, Inc. d/b/a TAB Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Square Financial Services, Inc.
0 in TFS registry
Transportation Alliance Bank, Inc. d/b/a TAB Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Square Financial Services, Inc. score | Square Financial Services, Inc. ROA | Transportation Alliance Bank, Inc. d/b/a TAB Bank score | Transportation Alliance Bank, Inc. d/b/a TAB Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 21.88% | — | 0.43% |
| 2024-Q4 | — | 20.76% | — | 0.44% |
| 2025-Q1 | — | 21.50% | — | 1.14% |
| 2025-Q2 | — | 23.76% | — | 0.82% |
| 2025-Q3 | — | 29.09% | — | 0.88% |
| 2025-Q4 | — | 31.51% | — | 0.94% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 9.46% |
| Non-performing loans | 0.67%Leads | 1.79% |
| Net charge-offs | 14.66% | 2.26%Leads |
| Efficiency ratio | 15.44%Leads | 61.08% |
| Loan-to-deposit ratio | 230.03% | 89.54% |
| Asset growth (YoY) | 77.91%Leads | -3.22% |
| Deposit / share growth (YoY) | 50.77%Leads | 0.38% |
| Branches | 1 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 61.6/100 |
| 38.77% |
| 65.7/100 |
| 0.59% |
| 2026-Q2 | 62.4/100 | 37.85% | 72.4/100 | 1.05% |