BlastPoint's Banking Scorecard

FinWise Bank

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

Murray, UT

2 branches across 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 +9.0% year over year ($723.0M on the books).
Delinquency rate 5.46%.
Return on assets 1.42%.
Efficiency ratio 56.77% vs a 64.48% peer average.
Loan-to-deposit ratio 95.40% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 13 in UT

View $100M-$1B leaderboard (UT) →

FinWise Bank has 4 strengths but faces 6 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 10.1% in tier
+ Net Interest Margin 9.59% above tier average
+ ROA 0.09% above tier average
+ Efficiency Ratio 7.71% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 24.9% in tier
- Margin Compression: Bottom 27.0% in tier
- Liquidity Strain: Bottom 36.9% in tier
- NIB Deposit Bleed: Bottom 61.1% in tier
- Delinquency Rate 4.54% above tier average
- Nonperforming Asset Ratio 3.45% above tier average

Get updates when FinWise Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$915.5M +9.9% YoY +2.9% QoQ	+$528.9M	$386.6M +1.2% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	Top 3.1% in tier
Total Loans ?	$689.7M +5.5% YoY +2.5% QoQ	+$431.4M	$258.3M +1.7% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Top 2.9% in tier
Total Deposits ?	$723.0M +9.0% YoY +2.1% QoQ	+$396.2M	$326.7M +0.7% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	Top 5.3% in tier
Return on Assets ?	1.42% -29.8% YoY -8.1% QoQ	+0.09%	1.32% +10.8% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	13.58% +71.9% YoY +2.5% QoQ	+9.59%	3.99% +5.0% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 0.1% in tier
Efficiency Ratio ?	56.77% -3.1% YoY -10.8% QoQ	-7.71%	64.48% -3.2% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	5.46% -9.0% YoY -26.1% QoQ	+4.54%	0.92% +15.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Bottom 2.2% in tier
Loan-to-Deposit Ratio ?	95.40% -3.2% YoY +0.4% QoQ	+17.45%	77.95% +1.0% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	19.09% -15.0% YoY -15.0% QoQ	-2.94%	22.03% -0.6% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	4.12% -12.6% YoY -26.4% QoQ	+3.45%	0.67% +16.4% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Bottom 1.6% in tier
Tier 1 Capital Ratio ?	18.05% +0.5% YoY +7.4% QoQ	+2.14%	15.91% +1.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	4.44% +122.7% YoY +171.2% QoQ	+3.87%	0.57% +7.6% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Top 0.7% in tier

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	19.1% -3.4pp YoY -3.4pp QoQ	-3.1pp	22.1%	20.1%	22.2%	41%
Brokered Deposits	61.7% +5.2pp YoY +3.7pp QoQ	+53.8pp	7.9%	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	8.5% +0.3pp YoY +0.9pp QoQ	-3.0pp	11.6%	25.0%	12.5%	44%
CRE	37.5% -6.5pp YoY -3.6pp QoQ	-2.0pp	39.5%	44.1%	41.4%	48%
1-4 Family	6.5% -2.9pp YoY -1.9pp QoQ	-26.1pp	32.6%	13.8%	31.3%	6%
Consumer	43.9% +15.0pp YoY +5.6pp QoQ	+39.8pp	4.1%	45.8%	5.0%	99%

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	18.1% +0.1pp YoY +1.2pp QoQ	+5.9pp	12.2%	15.7%	12.6%	95%
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	206 +6 (+3.0%) YoY -4 (-1.9%) QoQ	+147	58	1,029	482	99%
Assets per Employee ($)	$4.4M +6.7% YoY +4.9% QoQ	-$3.1M	$7.5M	$39.6M	$8.8M	8%
Branch Count	2 0 YoY 0 QoQ	-3	4	13	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.6%	0.4%	27%
Nonaccrual	5.4% -0.6pp YoY -1.9pp QoQ	+4.5pp	0.9%	1.2%	1.0%	98%
Allowance Coverage	1.26x +204.2% YoY +65.0% QoQ	-22.89x	24.15x	7.86x	20.23x	34%
Net Charge-off Rate (YTD)	6.2% +4.5pp YoY +1.0pp QoQ	+6.0pp	0.1%	3.6%	0.2%	100%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	8.1% -2.9pp YoY -0.8pp QoQ	-4.1pp	12.2%	15.9%	11.6%	26%
Cost of Funds (YTD)	2.6% 0.0pp YoY 0.0pp QoQ	+0.8pp	1.7%	2.3%	1.7%	91%
Net Income ($, YTD)	$6.5M -17.5% YoY — QoQ	+$4.0M	$2.6M	$307.8M	$40.4M	94%

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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

#68 of 661 • Top 10.1% 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: 4.44%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.42%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (4)

Liquidity Overhang

risk

#186 of 742 • Bottom 24.9% 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: 18.05%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 95.40%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Margin Compression

decline

#84 of 307 • Bottom 27.0% 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: 1.42%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#256 of 691 • Bottom 36.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 95.40%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#100 of 162 • Bottom 61.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 19.09%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 13.58%

Peer Median: 3.99%

#3 of 2643 Top 0.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 4.44%

Peer Median: 0.57%

#20 of 2643 Top 0.7% in $100M-$1B

Total Loans

size

Value: $689.72M

Peer Median: $258.35M

#77 of 2643 Top 2.9% in $100M-$1B

Total Assets

size

Value: $915.48M

Peer Median: $386.57M

#83 of 2643 Top 3.1% in $100M-$1B

141

Total Deposits

size

Value: $722.98M

Peer Median: $326.73M

#141 of 2643 Top 5.3% in $100M-$1B

497

Tier 1 Capital Ratio

capital

Value: 18.05%

Peer Median: 15.91%

#497 of 2643 Top 18.8% in $100M-$1B

Top Weaknesses (3 metrics)

2602

Nonperforming Asset Ratio

credit_quality

Value: 4.12%

Peer Median: 0.67%

#2602 of 2643 Bottom 1.6% in $100M-$1B

2577

Delinquency Rate

credit_quality

Value: 5.46%

Peer Median: 0.92%

#2577 of 2633 Bottom 2.2% in $100M-$1B

2227

Loan-to-Deposit Ratio

liquidity

Value: 95.40%

Peer Median: 77.95%

#2227 of 2643 Bottom 15.8% in $100M-$1B