Bank Comparison
Finwise Bank vs American Plus Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Finwise Bank | American Plus Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.81% | 16.49% |
| Equity / Assets | 18.11% | 16.32% |
Profitability
| Metric | Finwise Bank | American Plus Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.53% | 1.65% |
| Return on Equity (ROE) | 8.98% | 9.94% |
| Net Interest Margin (NIM) | 12.59% | 4.03% |
| Yield on Earning Assets | 15.04% | 6.79% |
| Cost of Funds | 2.93% | 3.20% |
Asset quality
| Metric | Finwise Bank | American Plus Bank, N.A. |
|---|---|---|
| Texas Ratio | 25.82% | 1.69% |
| Non-Performing Loan Ratio | 7.04% | 0.00% |
| Non-Performing Asset Ratio | 5.63% | 0.26% |
| Net Charge-Off Ratio | 5.83% | 0.00% |
| ACL / Loans | 5.34% | 1.50% |
Balance sheet
| Metric | Finwise Bank | American Plus Bank, N.A. |
|---|---|---|
| Total Assets | $889,799K | $890,687K |
| Total Deposits | $708,067K | $716,600K |
| Total Loans | $711,037K | $768,112K |
| Total Equity | $161,145K | $145,383K |
| Net Income (quarter) | $3,577K | $3,590K |
Liquidity & funding
| Metric | Finwise Bank | American Plus Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 100.42% | 107.19% |
| Core Deposit Ratio | 98.37% | 78.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Finwise Bank | American Plus Bank, N.A. |
|---|---|---|
| Headquarters City | MURRAY | ARCADIA |
| Headquarters State | UT | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 24716 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 210 | 50 |
| Established | July 25, 2000, midnight | Aug. 8, 2007, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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