BlastPoint's Banking Scorecard
Sunwest Bank
Community
Specialty: Commercial
UT
FDIC cert 20164
Sandy, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Sunwest Bank shows strong momentum with 3 strengths and 17.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 11% in Community
- + Profitability Leader: Top 11% in Community
- + Loan-to-Deposit Ratio 20.10% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.1B
+17.1% YoY
+8.4% QoQ
|
+$2.7B |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.3B
+17.4% YoY
+8.5% QoQ
|
+$2.3B |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.2B
+11.7% YoY
-1.5% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.93%
+40.7% YoY
+4.5% QoQ
|
+0.76% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.80%
+1.6% YoY
-1.3% QoQ
|
+1.14% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
56.62%
-4.6% YoY
+0.8% QoQ
|
-6.01% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.58%
+75.7% YoY
+3.2% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
103.17%
+5.1% YoY
+10.1% QoQ
|
+20.10% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.33%
-7.1% YoY
+3.5% QoQ
|
+23.28% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+76.2% YoY
+3.3% QoQ
|
-0.03% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
10.12%
+5.8% YoY
-2.9% QoQ
|
-0.12% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.51%
+24.3% YoY
+41.6% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#17 of 150 · Top 11% in Community
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:
44.33%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.80%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#43 of 371 · Top 11% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.93%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
103.17%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 44.33% · Tier avg: 21.05%
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.17% · Tier avg: 83.06%
90
90th pctile
Return on Assets
Current: 1.93% · Tier avg: 1.16%
68
68th pctile
Efficiency Ratio
Current: 56.62% · Tier avg: 62.63%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.12% · Tier avg: 10.24%
Top Weaknesses
31
31th pctile
Tier 1 Capital Ratio
Current: 10.12% · Tier avg: 10.24%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
68
68th pctile
Efficiency Ratio
Current: 56.62% · Tier avg: 62.63%
90
90th pctile
Return on Assets
Current: 1.93% · Tier avg: 1.16%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.17% · Tier avg: 83.06%
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.1B · Tier avg: $1.4B
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 44.33% · Tier avg: 21.05%
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M