BlastPoint's Banking Scorecard
First Electronic Bank
Micro
Specialty: Other
UT
FDIC cert 35533
Salt Lake City, UT
2498
banks in Micro tier nationally
9 in UT
View Micro leaderboard (UT) →
First Electronic Bank shows strong momentum with 6 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 37.77% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 29.98% below tier
- + Non-Interest-Bearing Deposit Share 69.92% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 2.99% 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 ? |
$482.4M
+5.6% YoY
-7.6% QoQ
|
+$264.9M |
$217.5M
+2.3% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$120.9M
-41.7% YoY
-34.9% QoQ
|
-$18.3M |
$139.2M
+2.8% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$271.4M
-13.0% YoY
-18.3% QoQ
|
+$87.7M |
$183.7M
+1.8% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
12.57%
-12.2% YoY
-2.9% QoQ
|
+11.48% |
1.08%
+14.7% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
20.82%
-10.0% YoY
-0.5% QoQ
|
+16.96% |
3.85%
+6.6% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? |
29.95%
-7.9% YoY
+9.2% QoQ
|
-37.77% |
67.73%
-4.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
44.55%
-33.0% YoY
-20.3% QoQ
|
-29.98% |
74.53%
+0.5% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
92.31%
+4.8% YoY
-0.7% QoQ
|
+69.92% |
22.39%
-1.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
140.52%
+134.4% YoY
+60.3% QoQ
|
+131.67% |
8.85%
-3.4% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
3.56%
-21.3% YoY
+55.0% QoQ
|
+2.99% |
0.56%
+0.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (6)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
29.95%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.55%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
92.31%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.56%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 92.31% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Efficiency Ratio
Current: 29.95% · Tier avg: 67.73%
98
98th pctile
Non-Interest Income / Assets
Current: 3.56% · Tier avg: 0.56%
98
98th pctile
Total Assets
Current: $482.4M · Tier avg: $217.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.55% · Tier avg: 74.53%
75
75th pctile
Total Deposits
Current: $271.4M · Tier avg: $183.7M
50
50th pctile
Total Loans
Current: $120.9M · Tier avg: $139.2M
Top Weaknesses
50
50th pctile
Total Loans
Current: $120.9M · Tier avg: $139.2M
75
75th pctile
Total Deposits
Current: $271.4M · Tier avg: $183.7M
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.55% · Tier avg: 74.53%
98
98th pctile
Total Assets
Current: $482.4M · Tier avg: $217.5M
98
98th pctile
Non-Interest Income / Assets
Current: 3.56% · Tier avg: 0.56%
99
99th pctile
Efficiency Ratio
Current: 29.95% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 92.31% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%