BlastPoint's Banking Scorecard

FinWise Bank

$100M-$1B Specialty: Commercial UT FDIC cert 35323

Murray, UT

2 branches across UT

2664 banks in the $100M-$1B peer group nationally 12 in UT

FinWise Bank has 4 strengths but faces 4 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

+ Revenue Diversifier: Top 10.2% in tier
+ Net Interest Margin 9.33% above tier average
+ ROA 0.27% above tier average
+ Efficiency Ratio 1.61% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 29.0% in tier
- Margin Compression: Bottom 67.2% in tier
- Delinquency Rate 6.50% above tier average
- Nonperforming Asset Ratio 4.96% above 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 ?	$889.8M +11.8% YoY -8.0% QoQ	+$503.7M	$386.1M +0.5% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	Top 4.2% in tier
Total Loans ?	$673.1M +13.9% YoY -3.5% QoQ	+$417.3M	$255.7M +1.1% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	Top 3.5% in tier
Total Deposits ?	$708.1M +12.0% YoY -9.2% QoQ	+$380.1M	$328.0M +0.1% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Top 6.3% in tier
Return on Assets ?	1.54% -15.4% YoY -25.6% QoQ	+0.27%	1.27% +12.9% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	13.26% +65.6% YoY +43.9% QoQ	+9.33%	3.93% +6.0% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 0.1% in tier
Efficiency Ratio ?	63.68% +3.7% YoY +33.1% QoQ	-1.61%	65.29% -4.5% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	7.39% +48.1% YoY +19.7% QoQ	+6.50%	0.89% +18.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Bottom 0.6% in tier
Loan-to-Deposit Ratio ?	95.06% +1.7% YoY +6.3% QoQ	+18.42%	76.64% +0.8% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	22.47% -5.2% YoY -9.1% QoQ	+0.45%	22.02% -1.0% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	5.59% +50.8% YoY +25.5% QoQ	+4.96%	0.64% +19.7% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Bottom 0.7% in tier
Tier 1 Capital Ratio ?	16.81% -10.6% YoY -0.5% QoQ	+0.98%	15.83% +1.5% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	1.64% +89.3% YoY -66.4% QoQ	+1.36%	0.28% +9.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Top 1.2% 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 (1)

Revenue Diversifier

growth

#69 of 666 • Top 10.2% 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: 1.64%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.54%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk

#215 of 739 • Bottom 29.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.81%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.06%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Margin Compression

decline

#206 of 305 • Bottom 67.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.54%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 13.26%

Peer Median: 3.93%

#3 of 2664 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.64%

Peer Median: 0.28%

#32 of 2664 Top 1.2% in $100M-$1B

Total Loans

size

Value: $673.06M

Peer Median: $255.72M

#93 of 2664 Top 3.5% in $100M-$1B

113

Total Assets

size

Value: $889.80M

Peer Median: $386.08M

#113 of 2664 Top 4.2% in $100M-$1B

169

Total Deposits

size

Value: $708.07M

Peer Median: $327.97M

#169 of 2664 Top 6.3% in $100M-$1B

630

Tier 1 Capital Ratio

capital

Value: 16.81%

Peer Median: 15.83%

#630 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2639

Delinquency Rate

credit_quality

Value: 7.39%

Peer Median: 0.89%

#2639 of 2654 Bottom 0.6% in $100M-$1B

2646

Nonperforming Asset Ratio

credit_quality

Value: 5.59%

Peer Median: 0.64%

#2646 of 2664 Bottom 0.7% in $100M-$1B

2256

Loan-to-Deposit Ratio

liquidity

Value: 95.06%

Peer Median: 76.64%

#2256 of 2664 Bottom 15.4% in $100M-$1B