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B2 Bank National Association

under $100M Specialty: Other UT FDIC cert 5105

Designations: ✓ Community bank

Holladay, UT

3 branches across MN · UT

537 banks in the under $100M peer group nationally 3 in UT
View under $100M leaderboard (UT) →

B2 Bank National Association has 2 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

  • + Non-Interest Income / Assets 1.25% above tier average
  • + Net Interest Margin 0.53% above tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 2.54% below tier average
  • - Efficiency Ratio 33.82% above tier average
  • - Delinquency Rate 0.30% above tier average
Get updates when B2 Bank National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Total Assets ? $62.0M
-25.6% YoY -13.6% QoQ
-$292K $62.3M
-0.5% YoY
$30.1B
+16.3% YoY
$6.2B
+9.0% YoY
49%
Total Loans ? $34.1M
-5.6% YoY -2.1% QoQ
-$199K $34.3M
-1.5% YoY
$17.9B
+6.8% YoY
$3.2B
+10.7% YoY
53%
Total Deposits ? $50.9M
-28.8% YoY -15.8% QoQ
-$949K $51.8M
-0.6% YoY
$23.1B
+10.8% YoY
$4.8B
+8.0% YoY
47%
Return on Assets ? -1.68%
-108.7% YoY -165.3% QoQ
-2.54% 0.86%
-3.6% YoY
2.24%
+5.6% YoY
1.24%
+13.1% YoY
Bottom 5.2% in tier
Net Interest Margin ? 4.40%
-3.7% YoY -7.2% QoQ
+0.53% 3.87%
+2.7% YoY
7.76%
+10.4% YoY
3.89%
+5.7% YoY
72%
Efficiency Ratio ? 121.44%
+9.1% YoY +13.4% QoQ
+33.82% 87.63%
+2.3% YoY
104.30%
+9.2% YoY
66.84%
-3.8% YoY
Bottom 7.3% in tier
Delinquency Rate ? 1.67%
+116.4% YoY +25.1% QoQ
+0.30% 1.36%
+33.7% YoY
1.43%
+8.3% YoY
0.95%
+18.8% YoY
25%
Loan-to-Deposit Ratio ? 67.00%
+32.5% YoY +16.2% QoQ
+2.89% 64.11%
-0.9% YoY
82.66%
+3.7% YoY
76.69%
+0.9% YoY
48%
Non-Interest-Bearing Deposit Share ? 17.98%
-26.1% YoY -2.6% QoQ
-5.81% 23.79%
+0.5% YoY
18.48%
+5.1% YoY
22.01%
-1.1% YoY
33%
Nonperforming Asset Ratio ? 0.92%
+174.4% YoY +41.7% QoQ
+0.14% 0.77%
+28.7% YoY
0.98%
+19.2% YoY
0.66%
+19.3% YoY
25%
Tier 1 Capital Ratio ? 15.60%
+18.9% YoY -2.3% QoQ
-11.17% 26.77%
+2.0% YoY
22.82%
+17.1% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 1.92%
+35.1% YoY -71.4% QoQ
+1.25% 0.67%
+1.6% YoY
1.09%
+7.6% YoY
0.32%
+4.0% YoY
Top 3.2% in tier

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).
Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

18
Non-Interest Income / Assets
revenue_mix
Value: 1.92%
Peer Median: 0.67%
#18 of 537 Top 3.2% in under $100M

Top Weaknesses (4 metrics)

510
Return on Assets
profitability
Value: -1.68%
Peer Median: 0.86%
#510 of 537 Bottom 5.2% in under $100M
499
Efficiency Ratio
profitability
Value: 121.44%
Peer Median: 87.63%
#499 of 537 Bottom 7.3% in under $100M
389
Delinquency Rate
credit_quality
Value: 1.67%
Peer Median: 1.36%
#389 of 517 Bottom 25.0% in under $100M
404
Nonperforming Asset Ratio
credit_quality
Value: 0.92%
Peer Median: 0.77%
#404 of 537 Bottom 25.0% in under $100M
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