Finwise Bank
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
$915.5MAssets
$737.2MLoans
$723.0MDeposits
$164.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 100% of banks under $1B in assets operating in a single state (rank 2 of 746).
- Widest gap: net charge-offs / loans trails 100% of banks under $1B in assets operating in a single state (rank 743 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $29.4M · efficiency ratio beats 72% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |