1.54%
−15.4%y/y
Peer standing66th percentile
FDIC
NETINC + ROAFB
FinWise Bank
Murray, UtahFDIC Cert #35323
STATEEstablished 20002 branches
Holding company: FINWISE BCORPRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
8.98%
−8.5%y/y
Peer standing24th percentile
FDIC
NETINC + ROE2.11%
−16.3%y/y
Peer standing81st percentile
FDIC
PTAXNETINC + ASSET13.26%
+65.6%y/y
Peer standing100th percentile
FDIC
NIM + NIMY15.83%
+52.3%y/y
Peer standing100th percentile
FDIC
INTINCY3.97%
+12.6%y/y
Peer standing3rd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
63.68%
+3.7%y/y
Peer standing41st percentile
FDIC
NONIX + NIM + NONII + EEFFR11.70%
+72.0%y/y
Peer standing1st percentile
FDIC
NONIX + ASSET34.14%
+5.0%y/y
Percentile by value96th percentileby value
FDIC
NONII + NIM+11.82%
−63.2%y/y
Percentile by value86th percentileby value
FDIC
ASSET+11.99%
−68.2%y/y
Percentile by value86th percentileby value
FDIC
DEP+13.85%
−62.4%y/y
Percentile by value84th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.54%66th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDIC
NETINC + ROE8.98%24th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDIC
NIM + NIMY13.26%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.68%41st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDIC
DEP+11.99%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDIC
LNLSNET+13.85%84th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR7.00%99th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDIC
RBC1AAJ16.81%95th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.57%90th 14.35%Observations 1,278
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 + DEPIDOM3.97%3rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 174%90th 319%Observations 754
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. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.54%38th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.17%Median 1.78%90th 4.71%Observations 38
ROE
FDIC
NETINC + ROE8.98%25th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.90%Median 15.50%90th 38.95%Observations 38
NIM
FDIC
NIM + NIMY13.26%89th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 5.01%90th 13.75%Observations 38
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR63.68%32nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 25.50%Median 57.71%90th 95.22%Observations 38
Deposits YoY
FDIC
DEP+11.99%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.45%Median +5.89%90th +35.01%Observations 37
Loans YoY
FDIC
LNLSNET+13.85%59th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.18%Median +8.38%90th +36.64%Observations 36
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR7.00%97th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.67%90th 3.27%Observations 37
Leverage
FDIC
RBC1AAJ16.81%74th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.54%Median 12.82%90th 25.32%Observations 38
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 + DEPIDOM3.97%27th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.07%Median 3.43%90th 4.32%Observations 38
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 17%90th 278%Observations 24
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. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.