BlastPoint's Banking Scorecard

BMW Bank of North America

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

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 139 banks in the $10B-$250B peer group nationwide — 1 of 12 in UT.
Deposits +19.3% year over year ($9.5B on the books).
Delinquency rate 0.09%.
Return on assets 2.29%.
Efficiency ratio 17.13% vs a 53.67% peer average.
Loan-to-deposit ratio 106.94% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 12 in UT

View $10B-$250B leaderboard (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 0.90% above tier average
+ Efficiency Ratio 36.54% below tier average
+ Delinquency Rate 0.93% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 24.33% above tier average
- Non-Interest-Bearing Deposit Share 20.58% below tier average
- Net Interest Margin 0.88% below tier average

Get updates when BMW Bank of North America releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$13.8B +12.3% YoY +6.0% QoQ	-$29.8B	$43.6B -13.8% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$10.2B +8.5% YoY +3.9% QoQ	-$17.8B	$28.0B -8.6% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$9.5B +19.3% YoY +9.4% QoQ	-$25.9B	$35.4B -14.0% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	Bottom 8.6% in tier
Return on Assets ?	2.29% -4.1% YoY +1.0% QoQ	+0.90%	1.39% +25.9% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 6.5% in tier
Net Interest Margin ?	3.04% -0.1% YoY +0.7% QoQ	-0.88%	3.92% +8.9% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	17.13% -3.1% YoY -1.0% QoQ	-36.54%	53.67% -1.9% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 2.2% in tier
Delinquency Rate ?	0.09% -1.5% YoY +7.7% QoQ	-0.93%	1.01% -2.8% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Top 4.3% in tier
Loan-to-Deposit Ratio ?	106.94% -9.0% YoY -5.0% QoQ	+24.33%	82.61% +3.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Bottom 4.3% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-20.58%	20.58% +4.9% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 2.2% in tier
Nonperforming Asset Ratio ?	0.07% -4.9% YoY +5.6% QoQ	-0.67%	0.73% +5.8% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Top 5.8% in tier
Tier 1 Capital Ratio ?	13.65% -10.5% YoY -8.3% QoQ	-1.70%	15.35% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.40% -18.9% YoY +81.9% QoQ	-0.09%	0.50% +10.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	60%

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	n/a	n/a	21.0%	20.1%	22.2%	n/a
Brokered Deposits	84.8% +5.1pp YoY +1.5pp QoQ	+75.6pp	9.2%	28.6%	8.5%	99%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	n/a	n/a	17.2%	25.0%	12.5%	n/a
CRE	n/a	n/a	42.0%	44.1%	41.4%	n/a
1-4 Family	n/a	n/a	23.1%	13.8%	31.3%	n/a
Consumer	100.3% +0.1pp YoY 0.0pp QoQ	+87.4pp	12.9%	45.8%	5.0%	96%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	13.7% -1.6pp YoY -1.2pp QoQ	-1.6pp	15.3%	25.0%	19.7%	62%
Leverage Ratio	13.2% -0.8pp YoY -0.7pp QoQ	+2.8pp	10.4%	15.7%	12.6%	94%
Total Capital Ratio	14.0% -1.5pp YoY -1.3pp QoQ	-2.5pp	16.5%	26.3%	20.8%	46%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	28 0 YoY +2 (+7.7%) QoQ	-3,230	3,258	1,029	482	0%
Assets per Employee ($)	$492.7M +12.3% YoY -1.6% QoQ	+$465.7M	$27.0M	$39.6M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-137	137	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	0.4%	0.6%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.7%	1.2%	1.0%	7%
Allowance Coverage	5.54x +22.8% YoY -9.5% QoQ	+2.72x	2.81x	7.86x	20.23x	94%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.4%	3.6%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	17.1% +1.1pp YoY +0.6pp QoQ	+4.4pp	12.6%	15.9%	11.6%	84%
Cost of Funds (YTD)	3.4% 0.0pp YoY 0.0pp QoQ	+1.4pp	2.0%	2.3%	1.7%	96%
Net Income ($, YTD)	$151.0M +3.2% YoY — QoQ	-$145.8M	$296.8M	$307.8M	$40.4M	47%

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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 139 peers in $10B-$250B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 17.13%

Peer Median: 53.67%

#4 of 139 Top 2.2% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 1.01%

#7 of 138 Top 4.3% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.73%

#9 of 139 Top 5.8% in $10B-$250B

Return on Assets

profitability

Value: 2.29%

Peer Median: 1.39%

#10 of 139 Top 6.5% in $10B-$250B

Top Weaknesses (6 metrics)

137

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 20.58%

#137 of 139 Bottom 2.2% in $10B-$250B

134

Loan-to-Deposit Ratio

liquidity

Value: 106.94%

Peer Median: 82.61%

#134 of 139 Bottom 4.3% in $10B-$250B

128

Total Deposits

size

Value: $9.52B

Peer Median: $35.42B

#128 of 139 Bottom 8.6% in $10B-$250B

117

Total Assets

size

Value: $13.80B

Peer Median: $43.60B

#117 of 139 Bottom 16.5% in $10B-$250B

110

Net Interest Margin

profitability

Value: 3.04%

Peer Median: 3.92%

#110 of 139 Bottom 21.6% in $10B-$250B

106

Total Loans

size

Value: $10.19B

Peer Median: $27.97B

#106 of 139 Bottom 24.5% in $10B-$250B