BlastPoint's Banking Scorecard

B2 Bank National Association

$100M-$1B Specialty: Other UT FDIC cert 5105

Holladay, UT

3 branches across MN · 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 +71.6% year over year ($103.8M on the books).
Delinquency rate 2.09%.
Return on assets -1.47%.
Efficiency ratio 122.73% vs a 64.48% peer average.
Loan-to-deposit ratio 36.87% 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) →

B2 Bank National Association has 1 strength but faces 5 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 33.4% in tier

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 6.8% in tier
- Efficiency Drag: Bottom 10.8% in tier
- Return on Assets 2.79% below tier average
- Net Interest Margin 0.55% below tier average
- Delinquency Rate 1.17% above tier average

Get updates when B2 Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$114.6M +59.1% YoY +84.9% QoQ	-$272.0M	$386.6M +1.2% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	Bottom 4.0% in tier
Total Loans ?	$38.3M +8.8% YoY +12.3% QoQ	-$220.1M	$258.3M +1.7% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Bottom 1.2% in tier
Total Deposits ?	$103.8M +71.6% YoY +104.1% QoQ	-$222.9M	$326.7M +0.7% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	Bottom 6.4% in tier
Return on Assets ?	-1.47% -72.1% YoY +12.5% QoQ	-2.79%	1.32% +10.8% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Bottom 0.9% in tier
Net Interest Margin ?	3.43% -27.8% YoY -22.0% QoQ	-0.55%	3.99% +5.0% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	122.73% +10.5% YoY +1.1% QoQ	+58.26%	64.48% -3.2% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Bottom 0.9% in tier
Delinquency Rate ?	2.09% +25.5% QoQ	+1.17%	0.92% +15.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Bottom 12.0% in tier
Loan-to-Deposit Ratio ?	36.87% -36.6% YoY -45.0% QoQ	-41.09%	77.95% +1.0% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Top 3.1% in tier
Non-Interest-Bearing Deposit Share ?	9.64% -58.7% YoY -46.4% QoQ	-12.39%	22.03% -0.6% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 9.8% in tier
Nonperforming Asset Ratio ?	0.70% +766.8% YoY -23.8% QoQ	+0.03%	0.67% +16.4% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	13.66% -4.4% YoY -12.4% QoQ	-2.25%	15.91% +1.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	2.00% -38.4% YoY +4.4% QoQ	+1.44%	0.57% +7.6% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Top 1.6% 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	9.6% -13.7pp YoY -8.3pp QoQ	-12.5pp	22.1%	20.1%	22.2%	9%
Brokered Deposits	n/a	n/a	7.9%	28.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	17.3% +10.0pp YoY +7.9pp QoQ	+5.8pp	11.6%	25.0%	12.5%	83%
CRE	n/a	n/a	39.5%	44.1%	41.4%	n/a
1-4 Family	52.7% +7.9pp YoY -0.3pp QoQ	+20.1pp	32.6%	13.8%	31.3%	85%
Consumer	13.5% -15.2pp YoY -4.2pp QoQ	+9.4pp	4.1%	45.8%	5.0%	95%

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	13.7% -0.6pp YoY -1.9pp QoQ	+1.5pp	12.2%	15.7%	12.6%	80%
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	23 -4 (-14.8%) YoY +1 (+4.5%) QoQ	-36	58	1,029	482	15%
Assets per Employee ($)	$5.0M +86.8% YoY +76.8% QoQ	-$2.5M	$7.5M	$39.6M	$8.8M	15%
Branch Count	3 +1 (+50.0%) YoY +1 (+50.0%) QoQ	-2	4	13	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.6%	0.4%	n/a
Nonaccrual	2.1% +1.9pp YoY +0.4pp QoQ	+1.2pp	0.9%	1.2%	1.0%	88%
Allowance Coverage	0.45x -92.0% YoY -21.3% QoQ	-23.71x	24.15x	7.86x	20.23x	8%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	3.6%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	-11.2% -5.1pp YoY -1.0pp QoQ	-23.3pp	12.2%	15.9%	11.6%	1%
Cost of Funds (YTD)	1.2% -0.3pp YoY -0.1pp QoQ	-0.6pp	1.7%	2.3%	1.7%	17%
Net Income ($, YTD)	$-609000.0 -79.6% YoY — QoQ	-$3.2M	$2.6M	$307.8M	$40.4M	2%

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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

#222 of 661 • Top 33.4% 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: 2.00%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: -1.47%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (2)

NIB Deposit Bleed

decline

#12 of 162 • Bottom 6.8% 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: 9.64%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Efficiency Drag

risk

#40 of 361 • Bottom 10.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 122.73%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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 (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.00%

Peer Median: 0.57%

#44 of 2643 Top 1.6% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 36.87%

Peer Median: 77.95%

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

Top Weaknesses (8 metrics)

2621

Efficiency Ratio

profitability

Value: 122.73%

Peer Median: 64.48%

#2621 of 2643 Bottom 0.9% in $100M-$1B

2619

Return on Assets

profitability

Value: -1.47%

Peer Median: 1.32%

#2619 of 2643 Bottom 0.9% in $100M-$1B

2612

Total Loans

size

Value: $38.27M

Peer Median: $258.35M

#2612 of 2643 Bottom 1.2% in $100M-$1B

2539

Total Assets

size

Value: $114.59M

Peer Median: $386.57M

#2539 of 2643 Bottom 4.0% in $100M-$1B

2474

Total Deposits

size

Value: $103.82M

Peer Median: $326.73M

#2474 of 2643 Bottom 6.4% in $100M-$1B

2384

Non-Interest-Bearing Deposit Share

funding

Value: 9.64%

Peer Median: 22.03%

#2384 of 2643 Bottom 9.8% in $100M-$1B

2319

Delinquency Rate

credit_quality

Value: 2.09%

Peer Median: 0.92%

#2319 of 2633 Bottom 12.0% in $100M-$1B

1996

Net Interest Margin

profitability

Value: 3.43%

Peer Median: 3.99%

#1996 of 2643 Bottom 24.5% in $100M-$1B