BlastPoint's Banking Scorecard

First Electronic Bank

$100M-$1B Specialty: Other UT FDIC cert 35533

Salt Lake City, UT

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

First Electronic Bank has 5 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 4.0% in tier
+ Deposit Franchise: Top 5.9% in tier
+ Credit Quality Leader: Top 27.3% in tier
+ Return on Assets 5.41% above tier average
+ Efficiency Ratio 16.26% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.2% in tier
- Liquidity Overhang: Bottom 9.9% in tier
- Deposit Outflow: Bottom 11.9% in tier
- Cost Spiral: Bottom 27.0% in tier

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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 ?	$429.3M -12.3% YoY -11.0% QoQ	+$43.2M	$386.1M +0.5% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	65%
Total Loans ?	$154.5M -43.9% YoY +27.8% QoQ	-$101.2M	$255.7M +1.1% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$207.3M -36.2% YoY -23.6% QoQ	-$120.6M	$328.0M +0.1% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	6.68% -56.6% YoY -47.2% QoQ	+5.41%	1.27% +12.9% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 0.3% in tier
Net Interest Margin ?	14.92% -37.1% YoY -28.3% QoQ	+10.99%	3.93% +6.0% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 0.1% in tier
Efficiency Ratio ?	49.03% +103.5% YoY +63.7% QoQ	-16.26%	65.29% -4.5% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 14.3% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	Top 11.9% in tier
Loan-to-Deposit Ratio ?	74.52% -12.1% YoY +67.3% QoQ	-2.12%	76.64% +0.8% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	89.96% -0.9% YoY -2.5% QoQ	+67.94%	22.02% -1.0% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	Top 11.1% in tier
Tier 1 Capital Ratio ?	115.23% +120.2% YoY -18.5% QoQ	+99.40%	15.83% +1.5% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	Top 0.4% in tier
Non-Interest Income / Assets ?	0.96% +5.6% YoY -73.0% QoQ	+0.68%	0.28% +9.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Top 1.7% 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 (3)

Revenue Diversifier

growth

#28 of 666 • Top 4.0% 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: 0.96%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 6.68%

(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

Deposit Franchise

growth

#17 of 272 • Top 5.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 89.96%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 14.92%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#182 of 664 • Top 27.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk

#4 of 1308 • Bottom 0.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Overhang

risk

#74 of 739 • Bottom 9.9% 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: 115.23%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 74.52%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#61 of 506 • Bottom 11.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Cost Spiral

risk

#35 of 126 • Bottom 27.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 49.03%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Net Interest Margin

profitability

Value: 14.92%

Peer Median: 3.93%

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

Non-Interest-Bearing Deposit Share

funding

Value: 89.96%

Peer Median: 22.02%

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

Return on Assets

profitability

Value: 6.68%

Peer Median: 1.27%

#9 of 2664 Top 0.3% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 115.23%

Peer Median: 15.83%

#11 of 2664 Top 0.4% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.96%

Peer Median: 0.28%

#47 of 2664 Top 1.7% in $100M-$1B

297

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#297 of 2664 Top 11.1% in $100M-$1B

317

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#317 of 2654 Top 11.9% in $100M-$1B

382

Efficiency Ratio

profitability

Value: 49.03%

Peer Median: 65.29%

#382 of 2664 Top 14.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available