BlastPoint's Banking Scorecard

Column National Association

$1B-$10B Specialty: Other UT FDIC cert 58224

Designations: ✓ Community bank

Salt Lake City, UT

2 branches across CA · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in UT.
Deposits +114.7% year over year ($1.5B on the books).
Delinquency rate 0.06%.
Return on assets 8.13%.
Efficiency ratio 38.91% vs a 59.73% peer average.
Loan-to-deposit ratio 23.32% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in UT

View $1B-$10B leaderboard (UT) →

Column National Association has 6 strengths but faces 1 concern

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 6.8% in tier
+ Deposit Franchise: Top 32.5% in tier
+ Return on Assets 6.74% above tier average
+ Efficiency Ratio 20.82% below tier average
+ Delinquency Rate 0.81% below tier average
+ Nonperforming Asset Ratio 0.66% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 6.5% in tier

Get updates when Column 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 ?	$1.8B +112.1% YoY +27.4% QoQ	-$1.0B	$2.8B -0.6% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$356.6M +71.2% YoY +11.2% QoQ	-$1.6B	$2.0B -0.3% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Bottom 1.6% in tier
Total Deposits ?	$1.5B +114.7% YoY +29.1% QoQ	-$789.3M	$2.3B -0.5% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	8.13% -5.2% YoY -1.8% QoQ	+6.74%	1.39% +17.0% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Top 0.5% in tier
Net Interest Margin ?	8.63% -31.1% YoY -10.4% QoQ	+4.76%	3.87% +6.2% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 0.8% in tier
Efficiency Ratio ?	38.91% +23.6% YoY +0.1% QoQ	-20.82%	59.73% -12.6% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Top 6.4% in tier
Delinquency Rate ?	0.06% -86.8% YoY -79.6% QoQ	-0.81%	0.87% +11.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	Top 9.0% in tier
Loan-to-Deposit Ratio ?	23.32% -20.3% YoY -13.9% QoQ	-61.72%	85.04% -0.1% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Top 1.5% in tier
Non-Interest-Bearing Deposit Share ?	28.03% -11.7% YoY -36.6% QoQ	+6.76%	21.27% -1.5% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.01% -89.3% YoY -82.2% QoQ	-0.66%	0.67% +11.7% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	Top 4.7% in tier
Tier 1 Capital Ratio ?	25.03% -11.2% YoY +5.5% QoQ	+10.19%	14.84% -0.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	Top 4.0% in tier
Non-Interest Income / Assets ?	4.36% +41.2% YoY +95.0% QoQ	+3.84%	0.53% +2.5% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	Top 0.9% 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	28.0% -3.7pp YoY -16.2pp QoQ	+6.7pp	21.4%	20.1%	22.2%	80%
Brokered Deposits	n/a	n/a	9.5%	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	9.2% -1.4pp YoY 0.0pp QoQ	-4.8pp	14.0%	25.0%	12.5%	40%
CRE	n/a	n/a	50.0%	44.1%	41.4%	n/a
1-4 Family	6.1% -4.4pp YoY -0.8pp QoQ	-20.3pp	26.4%	13.8%	31.3%	8%
Consumer	45.5% +38.3pp YoY +6.8pp QoQ	+40.8pp	4.7%	45.8%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	25.0% -3.2pp YoY +1.3pp QoQ	+9.4pp	15.6%	25.0%	19.7%	96%
Leverage Ratio	8.4% -0.7pp YoY +0.4pp QoQ	-2.9pp	11.3%	15.7%	12.6%	5%
Total Capital Ratio	25.4% -3.5pp YoY +1.3pp QoQ	+8.7pp	16.7%	26.3%	20.8%	95%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	170 +54 (+46.6%) YoY +10 (+6.2%) QoQ	-144	313	1,029	482	31%
Assets per Employee ($)	$10.4M +44.7% YoY +19.9% QoQ	-$76K	$10.5M	$39.6M	$8.8M	69%
Branch Count	1 0 YoY 0 QoQ	-19	20	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.1pp	0.2%	0.6%	0.4%	67%
Nonaccrual	n/a	n/a	0.8%	1.2%	1.0%	n/a
Allowance Coverage	9.49x +310.8% YoY +344.8% QoQ	-9.22x	18.71x	7.86x	20.23x	88%
Net Charge-off Rate (YTD)	-0.3%	-0.6pp	0.3%	3.6%	0.2%	1%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	73.3% -29.6pp YoY +4.6pp QoQ	+60.8pp	12.6%	15.9%	11.6%	100%
Cost of Funds (YTD)	3.3% +1.1pp YoY -0.8pp QoQ	+1.4pp	1.9%	2.3%	1.7%	98%
Net Income ($, YTD)	$54.3M +61.4% YoY — QoQ	+$35.1M	$19.2M	$307.8M	$40.4M	94%

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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 (2)

Revenue Diversifier

growth

#16 of 222 • Top 6.8% 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: 4.36%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 8.13%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Deposit Franchise

growth

#27 of 80 • Top 32.5% 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: 28.03%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 8.63%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Cost Spiral

risk

#3 of 31 • Bottom 6.5% 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: 38.91%

(Tier: 59.73%, National: 70.05%)

better than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 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 885 peers in $1B-$10B

Top Strengths (9 metrics)

Return on Assets

profitability

Value: 8.13%

Peer Median: 1.39%

#5 of 885 Top 0.5% in $1B-$10B

Net Interest Margin

profitability

Value: 8.63%

Peer Median: 3.87%

#8 of 885 Top 0.8% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 4.36%

Peer Median: 0.53%

#9 of 885 Top 0.9% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 23.32%

Peer Median: 85.04%

#14 of 885 Top 1.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 25.03%

Peer Median: 14.84%

#36 of 885 Top 4.0% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#43 of 885 Top 4.7% in $1B-$10B

Efficiency Ratio

profitability

Value: 38.91%

Peer Median: 59.73%

#58 of 885 Top 6.4% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.87%

#80 of 882 Top 9.0% in $1B-$10B

179

Non-Interest-Bearing Deposit Share

funding

Value: 28.03%

Peer Median: 21.27%

#179 of 885 Top 20.1% in $1B-$10B

Top Weaknesses (1 metrics)

872

Total Loans

size

Value: $356.63M

Peer Median: $1.96B

#872 of 885 Bottom 1.6% in $1B-$10B