BlastPoint's Banking Scorecard
BMW Bank of North America
Mid-Market
Specialty: Consumer
UT
FDIC cert 35141
Salt Lake City, UT
201
banks in Mid-Market tier nationally
7 in UT
View Mid-Market leaderboard (UT) →
BMW Bank of North America has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 20% in Mid-Market
- + Efficiency Ratio 38.96% below tier
- + Delinquency Rate 0.57% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.15% above tier
- - Non-Interest-Bearing Deposit Share 20.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.8B
+4.7% YoY
+2.8% QoQ
|
+$2.4B |
$10.5B
+2.9% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$9.6B
+3.0% YoY
+2.2% QoQ
|
+$2.5B |
$7.1B
+4.5% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$8.6B
+5.1% YoY
+6.8% QoQ
|
+$78.9M |
$8.5B
+3.0% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
2.31%
+3.5% YoY
-0.9% QoQ
|
+1.14% |
1.16%
+9.4% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.07%
+3.1% YoY
+0.6% QoQ
|
-0.32% |
3.40%
+7.9% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
17.65%
-7.6% YoY
+0.9% QoQ
|
-38.96% |
56.60%
-3.2% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.11%
-16.9% YoY
+17.5% QoQ
|
-0.57% |
0.68%
+12.0% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Top 8% in tier |
| Loan-to-Deposit Ratio ? |
111.62%
-1.9% YoY
-4.3% QoQ
|
+26.15% |
85.47%
+1.1% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -20.64% |
20.64%
-0.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-18.2% YoY
+16.9% QoQ
|
-0.41% |
0.50%
+7.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
14.53%
-10.5% YoY
-6.7% QoQ
|
+0.98% |
13.55%
+1.8% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.95%
+2.7% YoY
+26.4% QoQ
|
-0.01% |
0.96%
+7.1% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#11 of 51 · Top 20% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.31%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
17.65%
(Tier avg: 56.60%, National avg: 65.09%)
Delinquency Rate
metric
Top 8%
in Mid-Market
Why this stands out
Current:
0.11%
(Tier avg: 0.68%, National avg: 0.66%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
111.62%
(Tier avg: 85.47%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 20.64%, 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
Efficiency Ratio
Current: 17.65% · Tier avg: 56.60%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.16%
92
92th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.68%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
78
78th pctile
Total Loans
Current: $9.6B · Tier avg: $7.1B
75
75th pctile
Tier 1 Capital Ratio
Current: 14.53% · Tier avg: 13.55%
75
75th pctile
Total Assets
Current: $12.8B · Tier avg: $10.5B
74
74th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.96%
68
68th pctile
Total Deposits
Current: $8.6B · Tier avg: $8.5B
31
31th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.40%
5
5th pctile
Loan-to-Deposit Ratio
Current: 111.62% · Tier avg: 85.47%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
5
5th pctile
Loan-to-Deposit Ratio
Current: 111.62% · Tier avg: 85.47%
31
31th pctile
Net Interest Margin
Current: 3.07% · Tier avg: 3.40%
68
68th pctile
Total Deposits
Current: $8.6B · Tier avg: $8.5B
74
74th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.96%
75
75th pctile
Total Assets
Current: $12.8B · Tier avg: $10.5B
75
75th pctile
Tier 1 Capital Ratio
Current: 14.53% · Tier avg: 13.55%
78
78th pctile
Total Loans
Current: $9.6B · Tier avg: $7.1B
89
89th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
92
92th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.68%
95
95th pctile
Return on Assets
Current: 2.31% · Tier avg: 1.16%
100
100th pctile
Efficiency Ratio
Current: 17.65% · Tier avg: 56.60%