Finwise Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Finwise Bank of Murray, UT against its peer group of 2757 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 | 1.34% | 1.25% | +0.09% | 54th above |
| ROAE | 7.31% | 12.22% | -4.91% | 21st bottom |
| Net Interest Margin | 13.64% | 3.95% | +9.69% | 100th top |
| Efficiency Ratio | 51.40% | 63.71% | -12.31% | 78th top |
| PPNR / Avg Assets | 11.98% | — | — | 100th top |
| Yield on Earning Assets | 16.13% | 5.67% | +10.46% | 100th top |
| Cost of Funds | 3.01% | 1.87% | +1.14% | 5th bottom |
| Net Interest Spread | 12.44% | — | — | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.11% | 0.88% | +4.23% | 2nd bottom |
| NPA / Total Assets | 4.12% | — | — | 2nd bottom |
| NCO / Avg Loans | 8.33% | 0.15% | +8.18% | 0th bottom |
| ACL / Total Loans | 6.43% | — | — | 100th top |
| ACL / NPLs (Coverage) | 125.94% | — | — | 34th below |
| Texas Ratio | 9.03% | 5.96% | +3.07% | 20th bottom |
| Provision / NCO | 173.23% | — | — | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.05% | 11.75% | +6.30% | 94th top |
| Equity / Assets | 17.92% | 10.98% | +6.94% | 94th top |
| TCE / Tangible Assets | 17.54% | — | — | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.96% | 80.44% | +21.52% | 9th bottom |
| Core Deposit Ratio | 36.72% | 86.95% | -50.23% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.88% | — | — | 82nd top |
| Loan Growth (Y/Y) | 10.02% | — | — | 73rd above |
| Deposit Growth (Y/Y) | 8.96% | — | — | 79th top |
See Finwise Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Finwise Bank, 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 Finwise Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Finwise Bank peer analysis.