BMW Bank of North America
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Data as of · sourced from FFIEC call reports. How we update
BMW Bank of North America is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, supervised by the FDIC, with $13.80B in total assets at Q2 2026, up 12.3% from Q2 2025, the 11th largest of 44 banks headquartered in Utah. It was established in 1999 and holds FDIC certificate 35141. Its CET1 capital ratio was 13.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35141
- Headquarters
- Salt Lake City, UT
- Established
- 1999
- Total assets, Q2 2026
- $13.80B
- Assets vs Q2 2025
- +12.3%
- CET1 ratio, Q2 2026
- 13.65%
- Domestic offices
- 1 · BMW Bank of North America branches FDIC institution directory, current count
- Routing number
- 124084708
- Safety and soundness
- Is BMW Bank of North America safe?
- Latest call report
- Q2 2026, FFIEC 041 · BMW Bank of North America call report
- Asset rank in state
- 11th of 44 in Utah
BMW Bank of North America is one of the more profitable banks of its size. Based in Salt Lake City, Utah, it had $13.8 billion in assets at June 30, 2026, up 12.3% from a year earlier. It earns about $2.31 a year on every $100 of assets, higher than about 9 in 10 of the 124 banks with $10 billion to $100 billion in assets (median $1.34). On the other hand, it pays an average of 3.97% on its deposits and borrowings, about double the median of 1.91% for banks its size.
Net income for the quarter rose 10% from a year earlier, to $78 million. Over the same year, loans grew 8.6% and deposits grew 19.3%. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, BMW Bank of North America reported a CET1 capital ratio of 13.65%, a return on assets of 2.31%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, BMW Bank of North America is the 11th largest of the 44 banks headquartered in Utah. From Q1 2026 to Q2 2026, its total assets rose 6.0% to $13.80B, loans rose 3.9% and deposits rose 9.4%. The largest part of its loan book on June 30, 2026 was auto loans, at 99.8% of total loans, ahead of multifamily loans at 0.2%. Its one office in the FDIC Summary of Deposits is in Salt Lake City, UT. On its Q2 2026 call report, BMW Bank of North America meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2855 East Cottonwood Parkway, Salt Lake City, UT 84121
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 12, 1999
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $9.52B
- Allowance for credit losses
- $50.0M
- Net charge-offs (YTD)
- $9.9M
- Average total assets
- $13.47B
- Average total loans
- $10.01B
- Average interest-bearing deposits
- $9.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 12, 1999
- FDIC Cert
- 35141
- Fed RSSD
- 2850722
- Website
- http://www.bmwusa.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, BMW Bank of North America's total assets ranged from $11.94B (Q3 2023) to $13.80B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$13.80B total assets against $12.28B; $12.03B total liabilities against $10.54B.
$10.19B net loans and leases against $9.39B; $9.52B total deposits against $7.99B.
$2.84B securities against $2.25B; $683.2M cash and balances due against $573.4M.
$213.9M total interest income against $198.8M; $111.5M total interest expense against $106.6M.
$102.5M net interest income against $92.2M.
$26.9M total noninterest income against $27.9M; $21.9M total noninterest expense against $21.8M.
$5.1M provision for credit losses against $4.5M.
$77.9M net income against $70.6M.
2.31% return on assets against 2.25%; 3.05% net interest margin against 2.94%.
13.65% CET1 capital ratio against 15.25%; 13.24% tier 1 leverage ratio against 14.07%.
Inside the full BMW Bank of North America terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
BMW Bank of North America rankings
Its closest position to the top of a national ranking is 10 of 3,606, for efficiency ratio; its furthest is 969 of 980, for uninsured deposits.
Metric pages for BMW Bank of North America: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.11% (Q3 2024) to 2.45% (Q1 2025) and its net interest margin ran from 2.93% (Q3 2024) to 3.08% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.65% | 2.31% | 0.09% | 0.50% | 3.05% |
| Q1 2026 | 14.88% | 2.22% | 0.08% | 0.43% | 2.94% |
| Q4 2025 | 14.53% | 2.23% | 0.11% | 0.61% | 3.08% |
| Q3 2025 | 15.57% | 2.17% | 0.10% | 0.49% | 2.99% |
| Q2 2025 | 15.25% | 2.25% | 0.09% | 0.48% | 2.94% |
| Q1 2025 | 16.80% | 2.45% | 0.11% | 0.53% | 3.02% |
| Q4 2024 | 16.23% | 2.31% | 0.14% | 0.68% | 3.01% |
| Q3 2024 | 15.98% | 2.11% | 0.15% | 0.73% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BMW Bank of North America (main office) | Salt Lake City , UT | 84121 | $9.52B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in UT, rank 15 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about BMW Bank of North America
What are BMW Bank of North America's total assets?
As of the Q2 2026 filing, BMW Bank of North America reported total assets of $13.80 billion in its FFIEC call report.
Where is BMW Bank of North America headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was BMW Bank of North America founded?
It was established in 1999, per the FDIC institution directory.
Is BMW Bank of North America FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35141). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BMW Bank of North America?
BMW Bank of North America's primary federal regulator is the FDIC.
What is BMW Bank of North America's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BMW Bank of North America operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BMW Bank of North America's Texas Ratio?
Its Texas Ratio is 0.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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