Wex Bank
Sandy, UT · Cert 34697 · Peer group: banks over $10B in assets (n=142-144)
State charter, non-member · FDIC · 1 branch
Q2 2026
$10.7BAssets
$4.4BLoans
$7.9BDeposits
$856.1MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks over $10B in assets (rank 2 of 144).
- Widest gap: net charge-offs / loans trails 92% of banks over $10B in assets (rank 132 of 142).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
3.84%
Rank 2 of 144
Net Interest Margin
9.37%
Rank 4 of 144
Efficiency Ratio
57.30%
Rank 83 of 144
Equity / Assets
7.99%
Rank 129 of 144
Non-interest income vs. expense
Unfavorable gap of $317.0M · efficiency ratio beats 43% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 3.84% | 1.00% | 1.26% | 1.54% | Beats 99% | 2 / 144 | n/a | |
| Return on Equity | 47.99% | 8.98% | 11.34% | 14.40% | Beats 99% | 2 / 144 | n/a | |
| Net Interest Margin | 9.37% | 2.82% | 3.31% | 3.68% | Beats 97% | 4 / 144 | n/a | |
| Efficiency Ratio | 57.30% | 49.42% | 56.02% | 62.41% | Beats 43% | 83 / 144 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.48% | 0.73% | 1.07% | Beats 80% | 29 / 142 | n/a | |
| Net Charge-Offs / Loans | 1.00% | 0.05% | 0.11% | 0.22% | Beats 8% | 132 / 142 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 12.70% | 12.07% | 12.98% | 14.92% | Beats 43% | 82 / 144 | n/a | |
| Total Risk-Based Capital Ratio | 13.48% | 13.39% | 14.14% | 16.25% | Beats 28% | 104 / 144 | n/a | |
| Equity / Assets | 7.99% | 9.69% | 11.39% | 12.96% | Beats 10% | 129 / 144 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 55.57% | 75.72% | 84.92% | 91.56% | 7th pctl | 133 / 143 | n/a | |
| Loans / Assets | 40.91% | 59.83% | 69.07% | 74.80% | 8th pctl | 132 / 144 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |