BlastPoint's Banking Scorecard
Milestone Bank
Salt Lake City, UT
Milestone Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.92% above tier average
- + Efficiency Ratio 8.08% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.3% in tier
- - Delinquency Rate 3.90% above tier average
- - Non-Interest-Bearing Deposit Share 20.08% below tier average
- - Nonperforming Asset Ratio 3.33% above tier average
- - ROA 0.79% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$360.5M
-2.1% YoY
-3.8% QoQ
|
-$25.6M |
$386.1M
+0.5% YoY
|
$31.5B
+16.1% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$298.6M
-10.0% YoY
-8.9% QoQ
|
+$42.8M |
$255.7M
+1.1% YoY
|
$18.8B
+6.7% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$299.3M
-1.8% YoY
-4.6% QoQ
|
-$28.7M |
$328.0M
+0.1% YoY
|
$24.2B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
0.48%
-77.8% YoY
-62.2% QoQ
|
-0.79% |
1.27%
+12.9% YoY
|
2.19%
+3.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.7% in tier |
| Net Interest Margin ? |
5.85%
-14.7% YoY
-12.3% QoQ
|
+1.92% |
3.93%
+6.0% YoY
|
7.79%
+9.7% YoY
|
3.89%
+5.7% YoY
|
Top 1.8% in tier |
| Efficiency Ratio ? |
57.21%
+26.9% YoY
+29.2% QoQ
|
-8.08% |
65.29%
-4.5% YoY
|
105.45%
+9.4% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
4.79%
+462.7% YoY
+22.4% QoQ
|
+3.90% |
0.89%
+18.8% YoY
|
1.46%
+7.1% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.3% in tier |
| Loan-to-Deposit Ratio ? |
99.77%
-8.4% YoY
-4.5% QoQ
|
+23.13% |
76.64%
+0.8% YoY
|
84.36%
+3.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.94%
-8.3% YoY
+6.9% QoQ
|
-20.08% |
22.02%
-1.0% YoY
|
17.87%
+4.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.5% in tier |
| Nonperforming Asset Ratio ? |
3.97%
+417.2% YoY
+15.9% QoQ
|
+3.33% |
0.64%
+19.7% YoY
|
1.01%
+17.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.6% in tier |
| Tier 1 Capital Ratio ? |
13.97%
+4.1% YoY
+3.2% QoQ
|
-1.86% |
15.83%
+1.5% YoY
|
22.97%
+16.9% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.26%
+38.8% YoY
-73.3% QoQ
|
-0.02% |
0.28%
+9.3% YoY
|
1.04%
+5.8% YoY
|
0.32%
+4.1% YoY
|
Top 8.4% in tier |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.