BlastPoint's Banking Scorecard
Sunwest Bank
Sandy, UT
9 branches across CA · AZ · ID · FL · UT
Sunwest Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 34.9% in tier
- + ROA 0.32% above tier average
- + Efficiency Ratio 0.83% below tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 16.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.3B
+19.5% YoY
+4.5% QoQ
|
+$1.5B |
$2.8B
-0.1% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$3.4B
+18.8% YoY
+3.9% QoQ
|
+$1.4B |
$2.0B
+0.6% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
84% |
| Total Deposits ? |
$3.5B
+15.9% YoY
+8.7% QoQ
|
+$1.1B |
$2.3B
-0.3% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.69%
-1.4% YoY
-12.5% QoQ
|
+0.32% |
1.37%
+19.6% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
4.28%
-10.4% YoY
-11.0% QoQ
|
+0.46% |
3.82%
+6.9% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
60.23%
+11.2% YoY
+6.4% QoQ
|
-0.83% |
61.06%
-4.6% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
0.66%
+32.8% YoY
+13.8% QoQ
|
-0.23% |
0.89%
+14.1% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
98.54%
+2.6% YoY
-4.5% QoQ
|
+14.34% |
84.20%
+0.3% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
43.95%
-4.8% YoY
-0.8% QoQ
|
+22.66% |
21.29%
-2.5% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
Top 3.2% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+32.0% YoY
+13.1% QoQ
|
-0.15% |
0.67%
+15.6% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
10.11%
+1.7% YoY
-0.1% QoQ
|
-5.05% |
15.16%
+2.0% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.5% in tier |
| Non-Interest Income / Assets ? |
0.10%
-17.2% YoY
-79.7% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
33% |
Get Full Access to Sunwest Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.