BlastPoint's Banking Scorecard
Milestone Bank
Micro
Specialty: Commercial
UT
FDIC cert 58148
Salt Lake City, UT
2498
banks in Micro tier nationally
9 in UT
View Micro leaderboard (UT) →
Milestone Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.82% above tier
- + Efficiency Ratio 23.45% below tier
- + Loan-to-Deposit Ratio 29.92% above tier
- + Non-Interest Income / Assets 0.42% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.27% above tier
- - Non-Interest-Bearing Deposit Share 20.58% below tier
- - Nonperforming Asset Ratio 2.97% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$374.6M
+2.5% YoY
-2.8% QoQ
|
+$157.1M |
$217.5M
+2.3% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$327.6M
+0.7% YoY
-6.2% QoQ
|
+$188.4M |
$139.2M
+2.8% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$313.6M
+3.3% YoY
-1.8% QoQ
|
+$130.0M |
$183.7M
+1.8% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.27%
+28.2% YoY
-32.0% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
6.68%
+4.4% YoY
-1.9% QoQ
|
+2.82% |
3.85%
+6.6% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
44.27%
-6.7% YoY
-1.1% QoQ
|
-23.45% |
67.73%
-4.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
3.91%
+371.8% YoY
+266.7% QoQ
|
+3.27% |
0.64%
+24.4% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
104.44%
-2.5% YoY
-4.5% QoQ
|
+29.92% |
74.53%
+0.5% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.82%
-17.1% YoY
-8.5% QoQ
|
-20.58% |
22.39%
-1.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
3.42%
+363.7% YoY
+253.7% QoQ
|
+2.97% |
0.45%
+25.1% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.98%
+60.0% YoY
+70.3% QoQ
|
+0.42% |
0.56%
+0.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.68%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.27%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
104.44%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
0.98%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.91%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.82%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.42%
(Tier avg: 0.45%, 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
99
99th pctile
Net Interest Margin
Current: 6.68% · Tier avg: 3.85%
96
96th pctile
Total Loans
Current: $327.6M · Tier avg: $139.2M
96
96th pctile
Efficiency Ratio
Current: 44.27% · Tier avg: 67.73%
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.44% · Tier avg: 74.53%
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%
84
84th pctile
Total Assets
Current: $374.6M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $313.6M · Tier avg: $183.7M
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.82% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 3.91% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.42% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.42% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.91% · Tier avg: 0.64%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.82% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
84
84th pctile
Total Deposits
Current: $313.6M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $374.6M · Tier avg: $217.5M
92
92th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.56%
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.44% · Tier avg: 74.53%
96
96th pctile
Efficiency Ratio
Current: 44.27% · Tier avg: 67.73%
96
96th pctile
Total Loans
Current: $327.6M · Tier avg: $139.2M
99
99th pctile
Net Interest Margin
Current: 6.68% · Tier avg: 3.85%