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BMW Bank of North America
Salt Lake City, UT·FDIC Cert #35141·Charter: STATE·Est. 19991112.0
Total Assets
$12.8B
Q4 2025
Return on Assets
2.31%
-0.02%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
17.65%
Peer avg: 55.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.31%-0.02
ROE
15.84%+0.13
Efficiency
17.65%+0.16
Equity/Assets
0.00%+0.00
NPL Ratio
0.11%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
111.62%-4.97
Charge-offs
0.27%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.3 | 2.2 | 2.2 | 2.2 | 2.5 | 2.4 | 2.3 | 2.3 |
| ROE | 15.2 | 14.9 | 14.7 | 14.9 | 16.1 | 16.0 | 15.7 | 15.8 |
| Efficiency | 19.4 | 19.3 | 19.2 | 19.1 | 17.2 | 17.7 | 17.5 | 17.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Charge-offs | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.3 | 0.3 | 0.3 |
| Loan/Deposit | 120.5 | 119.3 | 119.1 | 113.8 | 116.6 | 117.6 | 116.6 | 111.6 |
Balance Sheet
Total Assets$12.8B
Total Deposits$8.6B
Total Loans$9.6B
Total Equity$1.7B
Profitability
ROA2.31%
ROE15.84%
Efficiency Ratio17.65%
Net Income$286.7M
Risk & Asset Quality
NPL Ratio0.11%
Charge-off Rate0.27%
Loan/Deposit111.62%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans