Murray, UT · Cert 35323 · Finwise Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
1
Profitability
69
Liquidity
0
Efficiency
72
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.
Murray, UT · Cert 35323 · Finwise Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.1% share · #23 of 57 inst. · $0.7B of $1175.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.03% | 2.81% | 1.82% | 2.02% | 2.16% | 2.07% | 1.54% | 1.42% | -60 bps | |
| Return on Equity | 14.46% | 13.68% | 9.81% | 11.04% | 12.06% | 11.79% | 8.98% | 8.14% | -290 bps | |
| Net Interest Margin | 8.93% | 8.96% | 7.75% | 7.25% | 7.31% | 7.96% | 12.05% | 12.84% | +559 bps | |
| Efficiency Ratio | 55.90% | 56.36% | 61.41% | 58.61% | 51.68% | 47.83% | 63.68% | 56.77% | -183 bps | |
| Non-Interest Burden | 3.47% | 3.55% | 3.30% | 2.52% | 1.38% | 1.09% | 5.38% | 3.31% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.17% | 25.85% | 32.14% | 37.19% | 33.85% | 32.03% | 11.82% | 9.88% | -2,730 bps | |
| Loan Growth (YoY) | 34.43% | 31.89% | 36.14% | 40.12% | 39.11% | 32.94% | 17.45% | 10.02% | -3,010 bps | |
| Deposit Growth (YoY) | 24.28% | 29.73% | 37.72% | 44.11% | 38.64% | 36.54% | 11.99% | 8.96% | -3,515 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 5.82% | 6.49% | 4.88% | 5.86% | 5.92% | 5.87% | 7.00% | 5.11% | -75 bps | |
| Net Charge-Offs / Loans | 2.00% | 1.98% | 1.49% | 1.50% | 1.52% | 2.02% | 5.28% | 6.10% | +460 bps | |
| Allowance / Loans | 2.46% | 2.38% | 2.35% | 2.42% | 3.60% | 5.01% | 5.34% | 6.43% | +401 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.4x | 0.6x | 0.9x | 0.8x | 1.3x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.28% | 20.58% | 18.80% | 17.97% | 17.19% | 16.90% | 16.81% | 18.05% | +9 bps | |
| Total Risk-Based Capital | 20.28% | 20.58% | 18.80% | 17.97% | 17.19% | 16.90% | 16.81% | 18.05% | +9 bps | |
| Equity / Assets | 20.31% | 19.13% | 18.04% | 17.76% | 17.06% | 16.29% | 18.11% | 17.92% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.22% | 96.71% | 95.75% | 100.98% | 99.56% | 94.16% | 100.42% | 101.96% | +98 bps | |
| Liquid Assets / Assets | 13.60% | 15.31% | 15.60% | 11.04% | 11.80% | 17.25% | 11.46% | 10.79% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 204% | 179.33% | 176.63% | n/a | n/a | |
Murray, UT · Cert 35323 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Finwise Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.43%
Rank 199 of 746
Net Interest Margin
12.84%
Rank 2 of 746
Efficiency Ratio
56.77%
Rank 210 of 746
Equity / Assets
17.92%
Rank 54 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 73% | 199 / 746 | ||
| Return on Equity | 7.98% | 6.74% | 10.51% | 13.63% | Beats 33% | 498 / 746 | ||
| Net Interest Margin | 12.84% | 3.17% | 3.68% | 4.16% | Beats 100% | 2 / 746 | ||
| Efficiency Ratio | 56.77% | 55.74% | 64.58% | 75.47% | Beats 72% | 210 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.11% | 0.09% | 0.42% | 1.07% | Beats 2% | 731 / 743 | ||
| Net Charge-Offs / Loans | 3.24% | 0.00% | 0.01% | 0.05% | Beats 0% | 743 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.05% | 11.55% | 13.75% | 17.60% | Beats 77% | 171 / 746 | ||
| Total Risk-Based Capital Ratio | 18.05% | 11.71% | 14.33% | 18.43% | Beats 74% | 197 / 746 | ||
| Equity / Assets | 17.92% | 8.90% | 10.51% | 13.06% | Beats 93% | 54 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.96% | 61.31% | 78.27% | 90.78% | 92nd pctl | 62 / 746 | ||
| Loans / Assets | 80.52% | 53.60% | 66.97% | 76.08% | 86th pctl | 103 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||