BlastPoint's Banking Scorecard
Milestone Bank
Salt Lake City, 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 -13.9% year over year ($282.8M on the books).
- Delinquency rate 5.45%.
- Return on assets 0.69%.
- Efficiency ratio 59.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 102.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Milestone Bank has 3 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 27.4% in tier
- + Net Interest Margin 1.72% above tier average
- + Efficiency Ratio 4.84% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.4% in tier
- - Deposit Outflow: Bottom 18.9% in tier
- - Cost Spiral: Bottom 58.7% in tier
- - Capital Constraint: Bottom 62.6% in tier
- - Delinquency Rate 4.53% above tier average
- - Non-Interest-Bearing Deposit Share 20.00% below tier average
- - Nonperforming Asset Ratio 3.94% above tier average
- - ROA 0.63% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$342.2M
-12.5% YoY
-5.1% QoQ
|
-$44.4M |
$386.6M
+1.2% YoY
|
$31.1B
+21.2% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$289.1M
-18.7% YoY
-3.2% QoQ
|
+$30.7M |
$258.3M
+1.7% YoY
|
$18.5B
+10.6% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$282.8M
-13.9% YoY
-5.5% QoQ
|
-$43.9M |
$326.7M
+0.7% YoY
|
$23.9B
+15.2% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
0.69%
-63.6% YoY
+43.6% QoQ
|
-0.63% |
1.32%
+10.8% YoY
|
2.15%
+9.7% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
5.70%
-16.6% YoY
-2.6% QoQ
|
+1.72% |
3.99%
+5.0% YoY
|
7.81%
+8.6% YoY
|
3.95%
+4.9% YoY
|
Top 2.1% in tier |
| Efficiency Ratio ? |
59.64%
+34.9% YoY
+4.3% QoQ
|
-4.84% |
64.48%
-3.2% YoY
|
105.46%
+37.7% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
5.45%
+286.4% YoY
+13.9% QoQ
|
+4.53% |
0.92%
+15.7% YoY
|
1.38%
+2.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.2% in tier |
| Loan-to-Deposit Ratio ? |
102.22%
-5.6% YoY
+2.5% QoQ
|
+24.27% |
77.95%
+1.0% YoY
|
83.52%
+2.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
2.03%
+2.5% YoY
+4.5% QoQ
|
-20.00% |
22.03%
-0.6% YoY
|
17.78%
-2.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 1.6% in tier |
| Nonperforming Asset Ratio ? |
4.61%
+258.8% YoY
+16.2% QoQ
|
+3.94% |
0.67%
+16.4% YoY
|
0.92%
+4.0% YoY
|
0.69%
+15.8% YoY
|
Bottom 1.2% in tier |
| Tier 1 Capital Ratio ? |
15.01%
+14.3% YoY
+7.4% QoQ
|
-0.90% |
15.91%
+1.4% YoY
|
21.39%
+2.0% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.83%
+108.1% YoY
+217.2% QoQ
|
+0.26% |
0.57%
+7.6% YoY
|
2.21%
+5.7% YoY
|
0.66%
+5.2% YoY
|
Top 4.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
2.0%
0.0pp YoY +0.1pp QoQ |
-20.1pp | 22.1% | 20.1% | 22.2% | 1% |
| Brokered Deposits |
81.8%
-11.2pp YoY -2.4pp QoQ |
+73.9pp | 7.9% | 28.6% | 8.5% | 100% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
80.1%
-12.5pp YoY -3.8pp QoQ |
+68.5pp | 11.6% | 25.0% | 12.5% | 100% |
| CRE |
14.8%
+9.4pp YoY -0.2pp QoQ |
-24.7pp | 39.5% | 44.1% | 41.4% | 10% |
| 1-4 Family |
5.4%
+4.7pp YoY +3.9pp QoQ |
-27.2pp | 32.6% | 13.8% | 31.3% | 5% |
| Consumer | n/a | n/a | 4.1% | 45.8% | 5.0% | n/a |
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 |
15.0%
+1.9pp YoY +1.0pp QoQ |
+2.8pp | 12.2% | 15.7% | 12.6% | 87% |
| 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 |
64
+8 (+14.3%) YoY +1 (+1.6%) QoQ |
+5 | 58 | 1,029 | 482 | 66% |
| Assets per Employee ($) |
$5.3M
-23.4% YoY -6.6% QoQ |
-$2.2M | $7.5M | $39.6M | $8.8M | 20% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual |
5.5%
+4.0pp YoY +0.7pp QoQ |
+4.5pp | 0.9% | 1.2% | 1.0% | 98% |
| Allowance Coverage |
0.45x
-72.3% YoY -28.6% QoQ |
-23.70x | 24.15x | 7.86x | 20.23x | 8% |
| Net Charge-off Rate (YTD) |
3.5%
+2.1pp YoY +0.9pp QoQ |
+3.3pp | 0.1% | 3.6% | 0.2% | 100% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.7%
-9.9pp YoY +1.3pp QoQ |
-7.5pp | 12.2% | 15.9% | 11.6% | 13% |
| Cost of Funds (YTD) |
3.5%
0.0pp YoY 0.0pp QoQ |
+1.7pp | 1.7% | 2.3% | 1.7% | 100% |
| Net Income ($, YTD) |
$1.2M
-65.2% YoY — QoQ |
-$1.3M | $2.6M | $307.8M | $40.4M | 34% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.