BMW Bank of North America: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BMW Bank of North America of Salt Lake City, UT against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.31% | 1.38% | +0.93% | 96th top |
| ROAE | 17.45% | 12.19% | +5.26% | 87th top |
| Net Interest Margin | 3.05% | 3.82% | -0.77% | 20th bottom |
| Efficiency Ratio | 16.96% | 54.52% | -37.56% | 98th top |
| PPNR / Avg Assets | 3.19% | 2.03% | +1.16% | 93rd top |
| Yield on Earning Assets | 6.36% | 5.70% | +0.66% | 90th top |
| Cost of Funds | 3.97% | 2.01% | +1.96% | 2nd bottom |
| Net Interest Spread | 2.35% | 3.13% | -0.78% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.99% | -0.90% | 96th top |
| NPA / Total Assets | 0.07% | 0.72% | -0.65% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.18% | 0.33% | -0.15% | 39th below |
| ACL / Total Loans | 0.49% | 1.40% | -0.91% | 9th bottom |
| ACL / NPLs (Coverage) | 553.50% | 232.82% | +320.68% | 92nd top |
| Texas Ratio | 0.50% | 8.93% | -8.43% | 96th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 114.20% | 123.36% | -9.16% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.65% | 15.67% | -2.02% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.65% | 15.79% | -2.14% | 61st above |
| Total Capital Ratio | 14.03% | 16.92% | -2.89% | 46th below |
| Leverage Ratio | 13.24% | 10.48% | +2.76% | 95th top |
| Equity / Assets | 12.78% | 11.70% | +1.08% | 71st above |
| TCE / Tangible Assets | 12.78% | 9.70% | +3.08% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.46% | 84.41% | +23.05% | 4th bottom |
| Core Deposit Ratio | 15.21% | 87.15% | -71.94% | 0th bottom |
| Uninsured Deposit Ratio | 3.42% | 37.09% | -33.67% | 98th top |
| Wholesale Funding Ratio | 14.31% | 5.77% | +8.54% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.34% | 11.93% | +0.41% | 74th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.56% | 11.38% | -2.82% | 64th above |
| Deposit Growth (Y/Y) | 19.27% | 11.27% | +8.00% | 84th top |
See BMW Bank of North America's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BMW Bank of North America, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BMW Bank of North America profile, how to read a UBPR, or how this data updates.