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
Favorable gap of $24.2M · efficiency ratio beats 98% 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 | 2.19% | 1.00% | 1.26% | 1.54% | Beats 93% | 10 / 144 | | |
| Return on Equity | 17.13% | 8.98% | 11.34% | 14.40% | Beats 85% | 22 / 144 | | |
| Net Interest Margin | 2.96% | 2.82% | 3.31% | 3.68% | Beats 31% | 99 / 144 | | |
| Efficiency Ratio | 17.13% | 49.42% | 56.02% | 62.41% | Beats 98% | 4 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.48% | 0.73% | 1.07% | Beats 96% | 7 / 142 | | |
| Net Charge-Offs / Loans | 0.13% | 0.05% | 0.11% | 0.22% | Beats 46% | 77 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 13.65% | 12.07% | 12.98% | 14.92% | Beats 60% | 57 / 144 | | |
| Total Risk-Based Capital Ratio | 14.03% | 13.39% | 14.14% | 16.25% | Beats 46% | 78 / 144 | | |
| Equity / Assets | 12.78% | 9.69% | 11.39% | 12.96% | Beats 72% | 41 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 107.46% | 75.72% | 84.92% | 91.56% | 95th pctl | 7 / 143 | | |
| Loans / Assets | 74.19% | 59.83% | 69.07% | 74.80% | 72nd pctl | 41 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |