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 | |