BlastPoint's Banking Scorecard

Sunwest Bank

$1B-$10B Specialty: Commercial UT FDIC cert 20164

Sandy, UT

9 branches across CA · AZ · ID · FL · UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
Deposits +7.7% year over year ($3.4B on the books).
Delinquency rate 0.62%.
Return on assets 1.62%.
Efficiency ratio 61.60% vs a 59.73% peer average.
Loan-to-deposit ratio 101.85% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in UT

View $1B-$10B leaderboard (UT) →

Sunwest Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 37.5% in tier
+ ROA 0.23% above tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 1.88% above tier average

Get updates when Sunwest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$4.4B +18.6% YoY +3.2% QoQ	+$1.6B	$2.8B -0.6% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$3.5B +14.8% YoY +1.6% QoQ	+$1.5B	$2.0B -0.3% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$3.4B +7.7% YoY -1.7% QoQ	+$1.1B	$2.3B -0.5% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.62% -2.3% YoY -3.9% QoQ	+0.23%	1.39% +17.0% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	4.29% -10.1% YoY +0.4% QoQ	+0.42%	3.87% +6.2% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	61.60% +8.8% YoY +2.3% QoQ	+1.88%	59.73% -12.6% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	0.62% +97.4% YoY -6.8% QoQ	-0.25%	0.87% +11.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	101.85% +6.6% YoY +3.4% QoQ	+16.81%	85.04% -0.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Bottom 11.1% in tier
Non-Interest-Bearing Deposit Share ?	42.76% +0.3% YoY -2.7% QoQ	+21.48%	21.27% -1.5% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Top 3.5% in tier
Nonperforming Asset Ratio ?	0.48% +91.1% YoY -8.2% QoQ	-0.19%	0.67% +11.7% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	45%
Tier 1 Capital Ratio ?	10.40% +3.7% YoY +2.9% QoQ	-4.44%	14.84% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	Bottom 9.7% in tier
Non-Interest Income / Assets ?	0.13% -40.2% YoY +22.7% QoQ	-0.40%	0.53% +2.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Bottom 13.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	42.8% +0.1pp YoY -1.2pp QoQ	+21.4pp	21.4%	20.1%	22.2%	96%
Brokered Deposits	4.6% +1.5pp YoY -0.4pp QoQ	-4.8pp	9.5%	28.6%	8.5%	47%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	21.1% +9.4pp YoY +0.6pp QoQ	+7.0pp	14.0%	25.0%	12.5%	82%
CRE	63.1% -7.5pp YoY -1.3pp QoQ	+13.1pp	50.0%	44.1%	41.4%	81%
1-4 Family	1.1% -0.7pp YoY 0.0pp QoQ	-25.3pp	26.4%	13.8%	31.3%	2%
Consumer	5.7% -0.3pp YoY +0.1pp QoQ	+1.0pp	4.7%	45.8%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	10.4% +0.4pp YoY +0.3pp QoQ	-5.2pp	15.6%	25.0%	19.7%	3%
Leverage Ratio	9.7% +0.1pp YoY -0.1pp QoQ	-1.6pp	11.3%	15.7%	12.6%	29%
Total Capital Ratio	11.7% +0.4pp YoY +0.3pp QoQ	-5.0pp	16.7%	26.3%	20.8%	6%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	341 +18 (+5.6%) YoY +21 (+6.6%) QoQ	+27	313	1,029	482	72%
Assets per Employee ($)	$12.9M +12.3% YoY -3.1% QoQ	+$2.4M	$10.5M	$39.6M	$8.8M	83%
Branch Count	9 0 YoY 0 QoQ	-11	20	13	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.2pp	0.2%	0.6%	0.4%	15%
Nonaccrual	0.6% +0.3pp YoY 0.0pp QoQ	-0.2pp	0.8%	1.2%	1.0%	58%
Allowance Coverage	2.93x -48.7% YoY +8.0% QoQ	-15.78x	18.71x	7.86x	20.23x	62%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	3.6%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	17.4% -0.8pp YoY -0.7pp QoQ	+4.8pp	12.6%	15.9%	11.6%	84%
Cost of Funds (YTD)	1.3% 0.0pp YoY +0.1pp QoQ	-0.6pp	1.9%	2.3%	1.7%	15%
Net Income ($, YTD)	$34.5M +15.7% YoY — QoQ	+$15.3M	$19.2M	$307.8M	$40.4M	85%

Get Full Access to Sunwest Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#31 of 80 • Top 37.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 42.76%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.29%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 42.76%

Peer Median: 21.27%

#32 of 885 Top 3.5% in $1B-$10B

135

Total Loans

size

Value: $3.46B

Peer Median: $1.96B

#135 of 885 Top 15.1% in $1B-$10B

156

Total Assets

size

Value: $4.41B

Peer Median: $2.79B

#156 of 885 Top 17.5% in $1B-$10B

170

Total Deposits

size

Value: $3.40B

Peer Median: $2.32B

#170 of 885 Top 19.1% in $1B-$10B

171

Net Interest Margin

profitability

Value: 4.29%

Peer Median: 3.87%

#171 of 885 Top 19.2% in $1B-$10B

220

Return on Assets

profitability

Value: 1.62%

Peer Median: 1.39%

#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (3 metrics)

800

Tier 1 Capital Ratio

capital

Value: 10.40%

Peer Median: 14.84%

#800 of 885 Bottom 9.7% in $1B-$10B

788

Loan-to-Deposit Ratio

liquidity

Value: 101.85%

Peer Median: 85.04%

#788 of 885 Bottom 11.1% in $1B-$10B

766

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.53%

#766 of 885 Bottom 13.6% in $1B-$10B