BlastPoint's Banking Scorecard

BMW Bank of North America

$10B-$250B Specialty: Consumer UT FDIC cert 35141

Salt Lake City, UT

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

BMW Bank of North America has 4 strengths but faces 3 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

+ Return on Assets 0.98% above tier average
+ Efficiency Ratio 36.59% below tier average
+ Delinquency Rate 0.94% below tier average
+ Nonperforming Asset Ratio 0.66% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 31.69% above tier average
- Non-Interest-Bearing Deposit Share 19.82% below tier average
- Net Interest Margin 0.75% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$13.0B +5.8% YoY +1.6% QoQ	-$34.3B	$47.4B -2.0% YoY	$30.1B +16.3% YoY	$6.2B +9.0% YoY	Bottom 14.1% in tier
Total Loans ?	$9.8B +4.1% YoY +1.9% QoQ	-$19.8B	$29.6B -0.4% YoY	$17.9B +6.8% YoY	$3.2B +10.7% YoY	22%
Total Deposits ?	$8.7B +7.8% YoY +1.0% QoQ	-$30.0B	$38.7B -1.6% YoY	$23.1B +10.8% YoY	$4.8B +8.0% YoY	Bottom 3.0% in tier
Return on Assets ?	2.26% -8.3% YoY -2.0% QoQ	+0.98%	1.28% +19.3% YoY	2.24% +5.6% YoY	1.24% +13.1% YoY	Top 4.4% in tier
Net Interest Margin ?	3.02% -1.3% YoY -1.8% QoQ	-0.75%	3.77% +5.6% YoY	7.76% +10.4% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	17.31% +0.5% YoY -1.9% QoQ	-36.59%	53.90% -4.0% YoY	104.30% +9.2% YoY	66.84% -3.8% YoY	Top 2.2% in tier
Delinquency Rate ?	0.08% -25.3% YoY -27.3% QoQ	-0.94%	1.02% -4.1% YoY	1.43% +8.3% YoY	0.95% +18.8% YoY	Top 4.5% in tier
Loan-to-Deposit Ratio ?	112.58% -3.4% YoY +0.9% QoQ	+31.69%	80.88% +2.0% YoY	82.66% +3.7% YoY	76.69% +0.9% YoY	Bottom 3.0% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-19.82%	19.82% +0.3% YoY	18.48% +5.1% YoY	22.01% -1.1% YoY	Bottom 3.0% in tier
Nonperforming Asset Ratio ?	0.06% -26.6% YoY -27.1% QoQ	-0.66%	0.73% +4.0% YoY	0.98% +19.2% YoY	0.66% +19.3% YoY	Top 6.7% in tier
Tier 1 Capital Ratio ?	14.88% -11.4% YoY +2.4% QoQ	-0.68%	15.56% -0.1% YoY	22.82% +17.1% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.22% -18.0% YoY -76.6% QoQ	+0.00%	0.23% +0.9% YoY	1.09% +7.6% YoY	0.32% +4.0% YoY	68%

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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 135 peers in $10B-$250B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 17.31%

Peer Median: 53.90%

#4 of 135 Top 2.2% in $10B-$250B

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.28%

#7 of 135 Top 4.4% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 1.02%

#7 of 134 Top 4.5% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.73%

#10 of 135 Top 6.7% in $10B-$250B

Top Weaknesses (5 metrics)

132

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 19.82%

#132 of 135 Bottom 3.0% in $10B-$250B

132

Loan-to-Deposit Ratio

liquidity

Value: 112.58%

Peer Median: 80.88%

#132 of 135 Bottom 3.0% in $10B-$250B

132

Total Deposits

size

Value: $8.70B

Peer Median: $38.75B

#132 of 135 Bottom 3.0% in $10B-$250B

117

Total Assets

size

Value: $13.01B

Peer Median: $47.36B

#117 of 135 Bottom 14.1% in $10B-$250B

106

Total Loans

size

Value: $9.80B

Peer Median: $29.62B

#106 of 135 Bottom 22.2% in $10B-$250B