BlastPoint's Banking Scorecard
Redemption Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Salt Lake City, 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 536 banks in the under $100M peer group nationwide — 1 of 2 in UT.
- Deposits -5.2% year over year ($62.9M on the books).
- Delinquency rate 0.39%.
- Return on assets -0.28%.
- Efficiency ratio 99.96% vs a 119.40% peer average.
- Loan-to-deposit ratio 93.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Redemption Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.73% above tier average
- + Non-Interest Income / Assets 0.73% below tier average
- + Efficiency Ratio 19.44% below tier average
- + Delinquency Rate 1.09% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.5M
-4.3% YoY
+8.2% QoQ
|
+$15.1M |
$62.4M
-0.0% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$58.5M
+40.5% YoY
+12.9% QoQ
|
+$23.6M |
$34.9M
-0.6% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
Top 14.7% in tier |
| Total Deposits ? |
$62.9M
-5.2% YoY
+10.0% QoQ
|
+$11.3M |
$51.6M
-0.2% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
-0.28%
-148.9% YoY
+77.3% QoQ
|
-1.27% |
1.00%
+3.5% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 10.4% in tier |
| Net Interest Margin ? |
5.64%
+19.5% YoY
+11.7% QoQ
|
+1.73% |
3.91%
+2.3% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
Top 4.1% in tier |
| Efficiency Ratio ? |
99.96%
+17.0% YoY
-15.3% QoQ
|
-19.44% |
119.40%
+49.6% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate ? |
0.39%
+665.8% YoY
-68.3% QoQ
|
-1.09% |
1.48%
+31.8% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
93.00%
+48.2% YoY
+2.7% QoQ
|
+18.79% |
74.21%
+12.6% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.93%
+35.1% YoY
-12.6% QoQ
|
+7.44% |
23.49%
+0.6% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.29%
-66.9% QoQ
|
-0.54% |
0.84%
+23.0% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
18.55%
-12.2% YoY
-2.4% QoQ
|
-8.58% |
27.13%
+3.0% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.65%
+6.0% YoY
+96.2% QoQ
|
-0.73% |
1.38%
+6.3% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
Top 6.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
30.9%
+8.0pp YoY -4.5pp QoQ |
+6.3pp | 24.6% | 20.1% | 22.2% | 76% |
| Brokered Deposits | 14.3% | +4.5pp | 9.8% | 28.6% | 8.5% | 74% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.1%
+3.2pp YoY +1.1pp QoQ |
+0.7pp | 13.4% | 25.0% | 12.5% | 65% |
| CRE |
55.7%
-0.5pp YoY -7.4pp QoQ |
+30.4pp | 25.2% | 44.1% | 41.4% | 95% |
| 1-4 Family |
19.7%
-13.7pp YoY -2.0pp QoQ |
-15.3pp | 35.0% | 13.8% | 31.3% | 36% |
| Consumer |
0.5%
-0.3pp YoY 0.0pp QoQ |
-7.1pp | 7.7% | 45.8% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 25.0% | 19.7% | n/a |
| Leverage Ratio |
18.5%
-2.6pp YoY -0.5pp QoQ |
+0.9pp | 17.7% | 15.7% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 39.7% | 26.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
+2 (+14.3%) YoY 0 QoQ |
+4 | 12 | 1,029 | 482 | 77% |
| Assets per Employee ($) |
$4.8M
-16.3% YoY +8.2% QoQ |
-$1.3M | $6.2M | $39.6M | $8.8M | 33% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.4% | -0.6pp | 1.0% | 0.6% | 0.4% | 47% |
| Nonaccrual |
0.0%
0.0pp YoY -1.2pp QoQ |
-1.7pp | 1.7% | 1.2% | 1.0% | 2% |
| Allowance Coverage |
3.74x
-86.1% YoY +210.4% QoQ |
-2.67x | 6.41x | 7.86x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 3.6% | 0.2% | 35% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.5%
-4.7pp YoY +4.8pp QoQ |
-7.9pp | 6.4% | 15.9% | 11.6% | 11% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY +0.1pp QoQ |
+0.2pp | 1.4% | 2.3% | 1.7% | 62% |
| Net Income ($, YTD) |
$-102000.0
-151.3% YoY — QoQ |
-$420K | $317,817 | $307.8M | $40.4M | 9% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.