Our people are on fire…

In just 18 months, we improved our ROA from 1.35 to 2.6 and our efficiency ratio from 73% to 56% – far exceeding the utopian goals we set. We never would have thought we could have come so far in so little time. And our people are on fire – we have the best culture we’ve ever had.

—J. Jones

President & CEO, First National Bank of Layton