BlastPoint's Banking Scorecard

Redemption Bank

under $100M Specialty: Commercial UT FDIC cert 21448

Designations: ✓ Community bank ✓ Minority Depository Institution

Salt Lake City, UT

541 banks in the under $100M peer group nationally 2 in UT

Redemption Bank has 3 strengths but faces 2 concerns

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

+ Net Interest Margin 1.19% above tier average
+ Non-Interest Income / Assets 0.33% below tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.05% below tier average
- Efficiency Ratio 29.74% above tier average

Get updates when Redemption Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$71.6M +9.0% YoY -0.8% QoQ	+$9.5M	$62.2M -0.6% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	59%
Total Loans ?	$51.8M +35.8% YoY -0.0% QoQ	+$17.5M	$34.2M -1.4% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$57.2M +6.7% YoY -0.7% QoQ	+$5.4M	$51.7M -0.7% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	-1.22% -169.3% YoY	-2.05%	0.84% -2.3% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Bottom 6.5% in tier
Net Interest Margin ?	5.05% +4.7% YoY -4.0% QoQ	+1.19%	3.86% +2.8% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 9.4% in tier
Efficiency Ratio ?	118.08% +104.0% YoY +22.0% QoQ	+29.74%	88.34% +0.3% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Bottom 9.1% in tier
Delinquency Rate ?	1.22% -2.8% QoQ	-0.15%	1.37% +33.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	90.59% +27.3% YoY +0.7% QoQ	+26.37%	64.22% -0.7% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 15.0% in tier
Non-Interest-Bearing Deposit Share ?	35.39% +15.6% YoY +18.6% QoQ	+11.67%	23.71% +0.3% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Top 12.8% in tier
Nonperforming Asset Ratio ?	0.88% -2.0% QoQ	+0.09%	0.79% +28.2% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	19.00% +9.6% YoY -1.5% QoQ	-7.68%	26.68% +2.0% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.33% +845.1% YoY -66.5% QoQ	-0.33%	0.67% +1.9% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Top 7.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.67%

#39 of 541 Top 7.0% in under $100M

Net Interest Margin

profitability

Value: 5.05%

Peer Median: 3.86%

#52 of 541 Top 9.4% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 35.39%

Peer Median: 23.71%

#70 of 541 Top 12.8% in under $100M

112

Total Loans

size

Value: $51.77M

Peer Median: $34.25M

#112 of 541 Top 20.5% in under $100M

Top Weaknesses (3 metrics)

507

Return on Assets

profitability

Value: -1.22%

Peer Median: 0.84%

#507 of 541 Bottom 6.5% in under $100M

493

Efficiency Ratio

profitability

Value: 118.08%

Peer Median: 88.34%

#493 of 541 Bottom 9.1% in under $100M

461

Loan-to-Deposit Ratio

liquidity

Value: 90.59%

Peer Median: 64.22%

#461 of 541 Bottom 15.0% in under $100M