BlastPoint's Banking Scorecard
FinWise Bank
Community
Specialty: Commercial
UT
FDIC cert 35323
Murray, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
FinWise Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8% in Community
- + Return on Assets 0.91% above tier
- + Net Interest Margin 5.55% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.55% above tier
- - Nonperforming Asset Ratio 3.96% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$967.5M
+32.0% YoY
+7.6% QoQ
|
-$424.0M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$697.8M
+29.4% YoY
+1.1% QoQ
|
-$277.7M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$780.2M
+36.5% YoY
+8.5% QoQ
|
-$384.4M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
2.07%
-26.3% YoY
-4.3% QoQ
|
+0.91% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
9.21%
-7.3% YoY
+9.8% QoQ
|
+5.55% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
47.83%
-15.1% YoY
-7.4% QoQ
|
-14.80% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
6.18%
-7.1% YoY
+0.6% QoQ
|
+5.55% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
89.44%
-5.3% YoY
-6.8% QoQ
|
+6.38% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
24.71%
-7.8% YoY
+6.8% QoQ
|
+3.67% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
4.46%
-8.9% YoY
-5.5% QoQ
|
+3.96% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
4.87%
+61.2% YoY
+35.7% QoQ
|
+4.14% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#30 of 371 · Top 8% 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:
4.87%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.07%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Return on Assets
metric
Top 8%
in Community
Why this stands out
Current:
2.07%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
9.21%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
6.18%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.46%
(Tier avg: 0.50%, National avg: 0.48%)
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
Net Interest Margin
Current: 9.21% · Tier avg: 3.66%
98
98th pctile
Non-Interest Income / Assets
Current: 4.87% · Tier avg: 0.74%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.83% · Tier avg: 62.63%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.71% · Tier avg: 21.05%
49
49th pctile
Total Loans
Current: $697.8M · Tier avg: $975.5M
48
48th pctile
Total Assets
Current: $967.5M · Tier avg: $1.4B
45
45th pctile
Total Deposits
Current: $780.2M · Tier avg: $1.2B
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.44% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
0
0th pctile
Delinquency Rate
Current: 6.18% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.46% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.46% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 6.18% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.44% · Tier avg: 83.06%
45
45th pctile
Total Deposits
Current: $780.2M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $967.5M · Tier avg: $1.4B
49
49th pctile
Total Loans
Current: $697.8M · Tier avg: $975.5M
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.71% · Tier avg: 21.05%
88
88th pctile
Efficiency Ratio
Current: 47.83% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.16%
98
98th pctile
Non-Interest Income / Assets
Current: 4.87% · Tier avg: 0.74%
100
100th pctile
Net Interest Margin
Current: 9.21% · Tier avg: 3.66%