BlastPoint's Banking Scorecard
Square Financial Services, Inc.
Community
Specialty: Other
UT
FDIC cert 59177
Salt Lake City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Square Financial Services, Inc. has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 2% in Community
- + Revenue Diversifier: Top 6% in Community
- + Deposit Franchise: Top 35% in Community
- + Efficiency Ratio 40.06% below tier
- + Loan-to-Deposit Ratio 100.83% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+82.0% YoY
+25.1% QoQ
|
+$302.8M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$910.8M
+118.5% YoY
+20.4% QoQ
|
-$64.7M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$495.3M
+66.0% YoY
+17.8% QoQ
|
-$669.4M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
31.51%
+51.8% YoY
+8.3% QoQ
|
+30.35% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
27.46%
+73.0% YoY
+23.9% QoQ
|
+23.80% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
- |
| Efficiency Ratio ? |
22.58%
-36.5% YoY
-16.1% QoQ
|
-40.06% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.25%
-13.5% YoY
-1.4% QoQ
|
+0.62% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
183.90%
+31.6% YoY
+2.2% QoQ
|
+100.83% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.49%
+181.7% QoQ
|
+7.45% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.67%
+3.9% YoY
-5.1% QoQ
|
+0.17% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
95.10%
-23.6% YoY
-4.2% QoQ
|
+84.86% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
26.34%
-12.8% YoY
+21.6% QoQ
|
+25.60% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (5)
Profitability Leader
growth
#9 of 371 · Top 2% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
31.51%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#24 of 371 · Top 6% 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:
26.34%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
31.51%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Deposit Franchise
growth
#53 of 150 · Top 35% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
28.49%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
27.46%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
22.58%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
183.90%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Liquidity Overhang
risk
#6 of 268 · Bottom 2% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
95.10%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
183.90%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
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
Loan-to-Deposit Ratio
Current: 183.90% · Tier avg: 83.06%
100
100th pctile
Efficiency Ratio
Current: 22.58% · Tier avg: 62.63%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.49% · Tier avg: 21.05%
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
64
64th pctile
Total Loans
Current: $910.8M · Tier avg: $975.5M
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.63%
12
12th pctile
Total Deposits
Current: $495.3M · Tier avg: $1.2B
Top Weaknesses
12
12th pctile
Total Deposits
Current: $495.3M · Tier avg: $1.2B
20
20th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.50%
64
64th pctile
Total Loans
Current: $910.8M · Tier avg: $975.5M
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.49% · Tier avg: 21.05%
100
100th pctile
Efficiency Ratio
Current: 22.58% · Tier avg: 62.63%
100
100th pctile
Loan-to-Deposit Ratio
Current: 183.90% · Tier avg: 83.06%