BlastPoint's Banking Scorecard

Square Financial Services, Inc.

$1B-$10B Specialty: Other UT FDIC cert 59177

Salt Lake City, UT

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

Square Financial Services, Inc. has 4 strengths but faces 2 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

+ Profitability Leader: Top 3.2% in tier
+ Revenue Diversifier: Top 6.8% in tier
+ Net Interest Margin 37.95% above tier average
+ Efficiency Ratio 46.47% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.6% in tier
- Delinquency Rate 0.15% above tier average

Get updates when Square Financial Services, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$1.8B +77.5% YoY +6.5% QoQ	-$1.0B	$2.8B -0.1% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$1.1B +130.4% YoY +15.9% QoQ	-$909.6M	$2.0B +0.6% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$495.7M +50.1% YoY +0.1% QoQ	-$1.8B	$2.3B -0.3% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Bottom 0.3% in tier
Return on Assets ?	38.77% +80.3% YoY +23.0% QoQ	+37.40%	1.37% +19.6% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Top 0.1% in tier
Net Interest Margin ?	41.77% +156.7% YoY +52.1% QoQ	+37.95%	3.82% +6.9% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 0.1% in tier
Efficiency Ratio ?	14.59% -56.7% YoY -35.4% QoQ	-46.47%	61.06% -4.6% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Top 0.3% in tier
Delinquency Rate ?	1.04% -49.1% YoY -16.4% QoQ	+0.15%	0.89% +14.1% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	212.88% +53.5% YoY +15.8% QoQ	+128.68%	84.20% +0.3% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 0.2% in tier
Non-Interest-Bearing Deposit Share ?	17.69% -37.9% QoQ	-3.60%	21.29% -2.5% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.61% -33.9% YoY -9.1% QoQ	-0.06%	0.67% +15.6% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	99.84% -17.6% YoY +5.0% QoQ	+84.68%	15.16% +2.0% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	Top 0.5% in tier
Non-Interest Income / Assets ?	9.12% +17.6% YoY -65.4% QoQ	+8.86%	0.26% +1.6% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	Top 0.1% in tier

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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)

Profitability Leader

growth

#8 of 221 • Top 3.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 38.77%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#16 of 221 • 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: 9.12%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 38.77%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#2 of 174 • Bottom 0.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 99.84%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 212.88%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 38.77%

Peer Median: 1.37%

#1 of 884 Top 0.1% in $1B-$10B

Net Interest Margin

profitability

Value: 41.77%

Peer Median: 3.82%

#1 of 884 Top 0.1% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 9.12%

Peer Median: 0.26%

#2 of 884 Top 0.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 14.59%

Peer Median: 61.06%

#4 of 884 Top 0.3% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 99.84%

Peer Median: 15.16%

#5 of 884 Top 0.5% in $1B-$10B

Top Weaknesses (2 metrics)

883

Loan-to-Deposit Ratio

liquidity

Value: 212.88%

Peer Median: 84.20%

#883 of 884 Bottom 0.2% in $1B-$10B

882

Total Deposits

size

Value: $495.69M

Peer Median: $2.34B

#882 of 884 Bottom 0.3% in $1B-$10B