BlastPoint's Banking Scorecard

Happen Bank, National Association

$10B-$250B Specialty: Consumer UT FDIC cert 32551

Lehi, UT

3 branches across CA · MA · UT

135 banks in the $10B-$250B peer group nationally 11 in UT

Happen Bank, National Association has 4 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

+ Profitability Leader: Top 8.8% in tier
+ Revenue Diversifier: Top 14.7% in tier
+ Net Interest Margin 2.63% above tier average
+ Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 19.18% above tier average

Get updates when Happen Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$11.8B +14.5% YoY +3.3% QoQ	-$35.5B	$47.4B -2.0% YoY	$30.1B +16.3% YoY	$6.2B +9.0% YoY	Bottom 5.2% in tier
Total Loans ?	$6.5B +19.1% YoY +4.9% QoQ	-$23.1B	$29.6B -0.4% YoY	$17.9B +6.8% YoY	$3.2B +10.7% YoY	Bottom 5.2% in tier
Total Deposits ?	$10.3B +14.0% YoY +3.4% QoQ	-$28.5B	$38.7B -1.6% YoY	$23.1B +10.8% YoY	$4.8B +8.0% YoY	Bottom 8.9% in tier
Return on Assets ?	1.75% +278.3% YoY +43.3% QoQ	+0.47%	1.28% +19.3% YoY	2.24% +5.6% YoY	1.24% +13.1% YoY	Top 14.1% in tier
Net Interest Margin ?	6.40% +5.4% YoY +4.3% QoQ	+2.63%	3.77% +5.6% YoY	7.76% +10.4% YoY	3.89% +5.7% YoY	Top 3.7% in tier
Efficiency Ratio ?	73.08% +13.0% YoY +16.9% QoQ	+19.18%	53.90% -4.0% YoY	104.30% +9.2% YoY	66.84% -3.8% YoY	Bottom 8.9% in tier
Delinquency Rate ?	0.93% -17.8% YoY -7.0% QoQ	-0.09%	1.02% -4.1% YoY	1.43% +8.3% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	63.57% +4.4% YoY +1.5% QoQ	-17.32%	80.88% +2.0% YoY	82.66% +3.7% YoY	76.69% +0.9% YoY	Top 11.9% in tier
Non-Interest-Bearing Deposit Share ?	4.87% -8.1% YoY -0.9% QoQ	-14.95%	19.82% +0.3% YoY	18.48% +5.1% YoY	22.01% -1.1% YoY	21%
Nonperforming Asset Ratio ?	0.51% -14.6% YoY -5.6% QoQ	-0.21%	0.73% +4.0% YoY	0.98% +19.2% YoY	0.66% +19.3% YoY	48%
Tier 1 Capital Ratio ?	15.48% -1.4% YoY +0.1% QoQ	-0.08%	15.56% -0.1% YoY	22.82% +17.1% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.62% -2.1% YoY -80.1% QoQ	+0.39%	0.23% +0.9% YoY	1.09% +7.6% YoY	0.32% +4.0% YoY	Top 5.2% 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 (2)

Profitability Leader

growth

#4 of 34 • Top 8.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.75%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#6 of 34 • Top 14.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.62%

(Tier: 0.23%, National: 0.32%)

better than tier avg

Return on Assets: 1.75%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 135 peers in $10B-$250B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 6.40%

Peer Median: 3.77%

#6 of 135 Top 3.7% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.62%

Peer Median: 0.23%

#8 of 135 Top 5.2% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 63.57%

Peer Median: 80.88%

#17 of 135 Top 11.9% in $10B-$250B

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.28%

#20 of 135 Top 14.1% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.48%

Peer Median: 15.56%

#29 of 135 Top 20.7% in $10B-$250B

Top Weaknesses (5 metrics)

129

Total Loans

size

Value: $6.54B

Peer Median: $29.62B

#129 of 135 Bottom 5.2% in $10B-$250B

129

Total Assets

size

Value: $11.85B

Peer Median: $47.36B

#129 of 135 Bottom 5.2% in $10B-$250B

124

Efficiency Ratio

profitability

Value: 73.08%

Peer Median: 53.90%

#124 of 135 Bottom 8.9% in $10B-$250B

124

Total Deposits

size

Value: $10.28B

Peer Median: $38.75B

#124 of 135 Bottom 8.9% in $10B-$250B

108

Non-Interest-Bearing Deposit Share

funding

Value: 4.87%

Peer Median: 19.82%

#108 of 135 Bottom 20.7% in $10B-$250B