BlastPoint's Banking Scorecard
LendingClub Bank, National Association
Lehi, UT
LendingClub Bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 23% in Mid-Market
- + Net Interest Margin 2.74% above tier
- + Loan-to-Deposit Ratio 22.83% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$11.5B
+9.6% YoY
+4.6% QoQ
|
+$1.0B |
$10.5B
+2.9% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$6.2B
+12.3% YoY
+7.7% QoQ
|
-$899.6M |
$7.1B
+4.5% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$9.9B
+9.1% YoY
+4.5% QoQ
|
+$1.4B |
$8.5B
+3.0% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.22%
+148.0% YoY
+4.6% QoQ
|
+0.06% |
1.16%
+9.4% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
6.14%
+5.7% YoY
-0.2% QoQ
|
+2.74% |
3.40%
+7.9% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
62.52%
-8.2% YoY
+0.3% QoQ
|
+5.91% |
56.60%
-3.2% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
1.00%
-28.5% YoY
+0.6% QoQ
|
+0.32% |
0.68%
+12.0% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
62.64%
+2.9% YoY
+3.1% QoQ
|
-22.83% |
85.47%
+1.1% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.91%
+1.7% YoY
-1.9% QoQ
|
-15.72% |
20.64%
-0.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.54%
-26.7% YoY
+3.6% QoQ
|
+0.04% |
0.50%
+7.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
15.47%
-4.2% YoY
-2.3% QoQ
|
+1.92% |
13.55%
+1.8% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
3.10%
+41.0% YoY
+32.9% QoQ
|
+2.15% |
0.96%
+7.1% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Net Interest Margin
metricNet Interest Margin is in the top decile of tier peers. The spread between loan yields and funding costs is well above peers - a structural earnings advantage if it persists.
Loan-to-Deposit Ratio
metricLoan-to-Deposit Ratio sits in the healthy 60-90% band and at the top of tier peers. Deposit base is being deployed efficiently into loans without stretching liquidity.
Concerns (1)
Non-Interest-Bearing Deposit Share
metricNon-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
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%