BlastPoint's Banking Scorecard
The Pitney Bowes Bank, Inc.
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 13 in UT.
- Deposits -1.1% year over year ($676.4M on the books).
- Delinquency rate 0.44%.
- Return on assets 5.34%.
- Efficiency ratio 32.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Pitney Bowes Bank, Inc. has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 3.0% in tier
- + Return on Assets 4.02% above tier average
- + Net Interest Margin 4.11% above tier average
- + Efficiency Ratio 32.44% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 10.9% in tier
- - Credit Quality Pressure: Bottom 19.4% in tier
- - Credit Risk Growth: Bottom 22.5% in tier
- - Margin Compression: Bottom 61.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$796.3M
-2.4% YoY
-4.4% QoQ
|
+$409.8M |
$386.6M
+1.2% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
Top 8.2% in tier |
| Total Loans ? |
$462.3M
+6.9% YoY
-0.6% QoQ
|
+$204.0M |
$258.3M
+1.7% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
Top 14.5% in tier |
| Total Deposits ? |
$676.4M
-1.1% YoY
-4.1% QoQ
|
+$349.7M |
$326.7M
+0.7% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
Top 8.2% in tier |
| Return on Assets ? |
5.34%
-10.0% YoY
-2.1% QoQ
|
+4.02% |
1.32%
+10.8% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
Top 0.5% in tier |
| Net Interest Margin ? |
8.09%
+9.3% YoY
-4.4% QoQ
|
+4.11% |
3.99%
+5.0% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
Top 0.2% in tier |
| Efficiency Ratio ? |
32.04%
+48.6% YoY
+1.6% QoQ
|
-32.44% |
64.48%
-3.2% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
Top 1.1% in tier |
| Delinquency Rate ? |
0.44%
+4.1% YoY
-3.3% QoQ
|
-0.47% |
0.92%
+15.7% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
68.35%
+8.1% YoY
+3.7% QoQ
|
-9.60% |
77.95%
+1.0% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
12.60%
+54.2% YoY
-1.9% QoQ
|
-9.44% |
22.03%
-0.6% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.26%
+14.0% YoY
+0.5% QoQ
|
-0.41% |
0.67%
+16.4% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.37%
+2.5% YoY
+3.3% QoQ
|
-3.53% |
15.91%
+1.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
1.97%
+4.1% YoY
+111.0% QoQ
|
+1.40% |
0.57%
+7.6% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
Top 1.7% 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 |
12.6%
+4.4pp YoY -0.2pp QoQ |
-9.6pp | 22.1% | 20.1% | 22.2% | 16% |
| Brokered Deposits |
12.9%
+2.0pp YoY +0.5pp QoQ |
+5.0pp | 7.9% | 28.6% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
66.6%
-9.5pp YoY -3.0pp QoQ |
+55.1pp | 11.6% | 25.0% | 12.5% | 100% |
| CRE | n/a | n/a | 39.5% | 44.1% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 13.8% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.1% | 45.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 25.0% | 19.7% | n/a |
| Leverage Ratio |
12.4%
+0.3pp YoY +0.4pp QoQ |
+0.2pp | 12.2% | 15.7% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
+18 (+60.0%) YoY -1 (-2.0%) QoQ |
-11 | 58 | 1,029 | 482 | 50% |
| Assets per Employee ($) |
$16.6M
-39.0% YoY -2.4% QoQ |
+$9.1M | $7.5M | $39.6M | $8.8M | 98% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 1.2% | 1.0% | 50% |
| Allowance Coverage |
3.82x
-2.5% YoY -4.1% QoQ |
-20.33x | 24.15x | 7.86x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
1.2%
+0.2pp YoY +0.3pp QoQ |
+1.1pp | 0.1% | 3.6% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
55.7%
-16.6pp YoY -1.6pp QoQ |
+43.5pp | 12.2% | 15.9% | 11.6% | 100% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 2.3% | 1.7% | 4% |
| Net Income ($, YTD) |
$21.7M
-12.4% YoY — QoQ |
+$19.1M | $2.6M | $307.8M | $40.4M | 100% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.