2.26%
−8.3%y/y
Peer standing96th percentile
FDIC
NETINC + ROABB
BMW Bank of North America
Salt Lake City, UtahFDIC Cert #35141
STATEEstablished 19991 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
16.46%
+2.2%y/y
Peer standing86th percentile
FDIC
NETINC + ROE3.03%
−5.8%y/y
Peer standing96th percentile
FDIC
PTAXNETINC + ASSET3.02%
−1.3%y/y
Peer standing30th percentile
FDIC
NIM + NIMY6.41%
+0.8%y/y
Peer standing90th percentile
FDIC
INTINCY4.99%
+0.2%y/y
Peer standing4th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
17.31%
+0.5%y/y
Peer standing98th percentile
FDIC
NONIX + NIM + NONII + EEFFR0.67%
−5.2%y/y
Peer standing96th percentile
FDIC
NONIX + ASSET23.01%
−12.6%y/y
Percentile by value69th percentileby value
FDIC
NONII + NIM+5.85%
+174.3%y/y
Percentile by value53rd percentileby value
FDIC
ASSET+7.78%
+26.0%y/y
Percentile by value61st percentileby value
FDIC
DEP+4.07%
+50.8%y/y
Percentile by value31st percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.26%96th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE16.46%86th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY3.02%30th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR17.31%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+7.78%61st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+4.07%31st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.08%94th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ13.91%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.99%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC1%8th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.26%66th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.14%Median 1.83%90th 4.88%Observations 45
ROE
FDIC
NETINC + ROE16.46%61st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.15%Median 15.71%90th 42.77%Observations 45
NIM
FDIC
NIM + NIMY3.02%7th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.23%Median 5.56%90th 15.19%Observations 45
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR17.31%95th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 24.58%Median 54.46%90th 98.73%Observations 45
Deposits YoY
FDIC
DEP+7.78%57th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.51%Median +5.68%90th +35.63%Observations 43
Loans YoY
FDIC
LNLSNET+4.07%34th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.49%Median +7.25%90th +45.05%Observations 42
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.08%90th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.08%Median 0.73%90th 3.60%Observations 43
Leverage
FDIC
RBC1AAJ13.91%55th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.12%Median 12.79%90th 27.02%Observations 45
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.99%7th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 3.48%90th 4.38%Observations 44
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC1%41st percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 270%Observations 30
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.26%64th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.06%Median 1.90%90th 3.65%Observations 12
ROE
FDIC
NETINC + ROE16.46%64th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 13.39%Median 15.77%90th 39.96%Observations 12
NIM
FDIC
NIM + NIMY3.02%18th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.07%Median 5.10%90th 12.52%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR17.31%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 23.65%Median 43.27%90th 70.24%Observations 12
Deposits YoY
FDIC
DEP+7.78%45th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.66%Median +8.05%90th +33.76%Observations 12
Loans YoY
FDIC
LNLSNET+4.07%36th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.55%Median +5.32%90th +33.02%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.08%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.72%90th 2.20%Observations 12
Leverage
FDIC
RBC1AAJ13.91%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.75%Median 10.96%90th 12.78%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.99%9th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.70%Median 3.61%90th 4.92%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC1%36th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 9%90th 140%Observations 12
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.