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BMW Bank of North America

Salt Lake City, UT · Cert 35141

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

BMW Bank of North America

Salt Lake City, UT · Cert 35141

State charter, non-member · FDIC · 1 branch

Q2 2026

$13.8BAssets
$10.2BLoans
$9.5BDeposits
$1.8BEquity
Loan mix
0%RE $0.0B0%C&I $0.0B100%Consumer $9.8BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $9.5B0%Noninterest $0.0BQ2 2025Q2 2026

NIM

5.96%Q2 ’246.26%Q2 ’256.23%Q2 ’26+2%+0%

Non-interest income vs. expense

0.73%Q2 ’240.70%Q2 ’250.65%Q2 ’26-66%+36%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.8% share · #13 of 57 inst. · $9.5B of $1175.7B

Executive Summary

  • Earnings: ROA of 2.29%, down 10 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.09% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 13.24%, down 83 bps from a year ago.
  • Funding: loans stand at 107.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.29%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.96%0 bps YoY

Efficiency Ratio (YTD, annualized)

17.13%-55 bps YoY

Tier 1 Leverage Ratio

13.24%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.38%2.33%2.31%2.26%2.29%-10 bps
Return on Equity15.97%15.71%15.84%16.46%17.05%+108 bps
Net Interest Margin2.96%2.94%2.95%2.94%2.96%0 bps
Efficiency Ratio17.69%17.49%17.65%17.31%17.13%-55 bps
Non-Interest Burden-0.28%-0.30%-0.26%-0.22%-0.18%+10 bps
Growth
Asset Growth (YoY)1.38%4.39%4.67%5.85%12.34%+1,095 bps
Loan Growth (YoY)1.76%3.83%3.10%4.17%8.56%+681 bps
Deposit Growth (YoY)3.26%5.98%5.06%7.78%19.27%+1,600 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.10%0.11%0.08%0.09%0 bps
Net Charge-Offs / Loans0.31%0.27%0.27%0.22%0.19%-12 bps
Allowance / Loans0.40%0.51%0.50%0.50%0.49%+8 bps
Allowance Coverage of NPLs4.5x5.3x4.5x6.1x5.5x+1.0x
Capital
Tier 1 Leverage Ratio14.07%14.43%13.70%13.91%13.24%-83 bps
Total Risk-Based Capital15.58%15.97%14.93%15.28%14.03%-155 bps
Equity / Assets14.16%14.53%13.57%13.91%12.78%-138 bps
Liquidity & Funding
Loans / Deposits118.05%117.19%112.18%113.15%107.46%-1,059 bps
Liquid Assets / Assets20.23%21.21%21.67%21.57%23.06%+283 bps
CRE / Total Capitaln/a1.05%1.17%1.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

BMW Bank of North America

Salt Lake City, UT · Cert 35141 · Peer group: banks over $10B in assets (n=142-144)

State charter, non-member · FDIC · 1 branch

Q2 2026

$13.8BAssets
$10.2BLoans
$9.5BDeposits
$1.8BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of banks over $10B in assets (rank 4 of 144).
  • Widest gap: net interest margin trails 69% of banks over $10B in assets (rank 99 of 144).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

2.19%

Rank 10 of 144

Net Interest Margin

2.96%

Rank 99 of 144

Efficiency Ratio

17.13%

Rank 4 of 144

Equity / Assets

12.78%

Rank 41 of 144

Non-interest income vs. expense

$111.6M$87.4MINCOMEEXPENSE
Favorable gap of $24.2M · efficiency ratio beats 98% of banks over $10B in assets
Bank 17.13%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.19%1.00%1.26%1.54%Beats 93%10 / 144
Return on Equity17.13%8.98%11.34%14.40%Beats 85%22 / 144
Net Interest Margin2.96%2.82%3.31%3.68%Beats 31%99 / 144
Efficiency Ratio17.13%49.42%56.02%62.41%Beats 98%4 / 144
Asset Quality
Nonperforming Loans / Loans0.09%0.48%0.73%1.07%Beats 96%7 / 142
Net Charge-Offs / Loans0.13%0.05%0.11%0.22%Beats 46%77 / 142
Capital
Tier 1 Capital Ratio13.65%12.07%12.98%14.92%Beats 60%57 / 144
Total Risk-Based Capital Ratio14.03%13.39%14.14%16.25%Beats 46%78 / 144
Equity / Assets12.78%9.69%11.39%12.96%Beats 72%41 / 144
Liquidity & Funding
Loans / Deposits107.46%75.72%84.92%91.56%95th pctl7 / 143
Loans / Assets74.19%59.83%69.07%74.80%72nd pctl41 / 144
Brokered Deposits / Depositsn/aNot reported for this institution