BlastPoint's Banking Scorecard
The Pitney Bowes Bank, Inc.
Community
Specialty: Commercial
UT
FDIC cert 34599
Salt Lake City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
The Pitney Bowes Bank, Inc. has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 4% in Community
- + Profitability Leader: Top 14% in Community
- + Net Interest Margin 4.01% above tier
- + Efficiency Ratio 41.91% below tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1% in Community
- - Capital Thin: Bottom 2% in Community
- - Deposit Outflow: Bottom 25% in Community
- - Non-Interest-Bearing Deposit Share 12.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$805.6M
-5.4% YoY
-0.7% QoQ
|
-$585.9M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$470.8M
+29.9% YoY
+2.3% QoQ
|
-$504.7M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$675.2M
-7.7% YoY
+0.3% QoQ
|
-$489.4M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
6.11%
+5.4% YoY
+1.5% QoQ
|
+4.94% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
7.67%
+2.7% YoY
+1.6% QoQ
|
+4.01% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
20.72%
+32.1% YoY
-1.6% QoQ
|
-41.91% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.38%
-5.9% YoY
+2.5% QoQ
|
-0.25% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
69.73%
+40.8% YoY
+2.0% QoQ
|
-13.34% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
8.55%
+8.3% YoY
+26.2% QoQ
|
-12.50% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+29.3% YoY
+5.5% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
3.72%
+8.2% YoY
+32.5% QoQ
|
+2.98% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#16 of 371 · Top 4% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.72%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
6.11%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#51 of 371 · Top 14% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
6.11%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
7.67%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
20.72%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (4)
Cost Spiral
risk
#1 of 40 · Bottom 1% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
20.72%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#8 of 432 · Bottom 2% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Deposit Outflow
decline
#63 of 248 · Bottom 25% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.55%
(Tier avg: 21.05%, National avg: 21.79%)
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
100
100th pctile
Return on Assets
Current: 6.11% · Tier avg: 1.16%
100
100th pctile
Net Interest Margin
Current: 7.67% · Tier avg: 3.66%
100
100th pctile
Efficiency Ratio
Current: 20.72% · Tier avg: 62.63%
98
98th pctile
Non-Interest Income / Assets
Current: 3.72% · Tier avg: 0.74%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.73% · Tier avg: 83.06%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.63%
36
36th pctile
Total Deposits
Current: $675.2M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $805.6M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Total Loans
Current: $470.8M · Tier avg: $975.5M
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.55% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.55% · Tier avg: 21.05%
26
26th pctile
Total Loans
Current: $470.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Total Assets
Current: $805.6M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $675.2M · Tier avg: $1.2B
55
55th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.73% · Tier avg: 83.06%
98
98th pctile
Non-Interest Income / Assets
Current: 3.72% · Tier avg: 0.74%
100
100th pctile
Efficiency Ratio
Current: 20.72% · Tier avg: 62.63%
100
100th pctile
Net Interest Margin
Current: 7.67% · Tier avg: 3.66%
100
100th pctile
Return on Assets
Current: 6.11% · Tier avg: 1.16%