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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Utah, the state note

BMW Bank of North America

Salt Lake City, Utah · $13.80B in assets · beside the 11 other Utah banks over $10B

The filing

17.1%
Efficiency
1st of 12
107.5%
Loans / deposits
11th of 12
0.09%
NPA / loans
2nd of 12

BMW Bank of North America is the tenth largest of the 12 Utah banks nearest its size over $10B, with $13.80B in assets at 30 June 2026. Loans are 107.5% of deposits, 11th of 12 against a median of 95.9%, and equity is 12.8% of assets, 5th of 12. Loans grew +8.6% in the year, 5th of 12, and deposits grew 19.3%; the cohort's median loan growth is +8.2%.

Noncurrent loans are 0.09% of the book, 2nd of 12 against a median of 0.55%; 0.69% is 30 to 89 days past due, and the allowance covers them 5.5 times. Net charge-offs are 0.19% of loans, 4th of 12. Commercial real estate is 0.2% of loans, 6th of 12 against a median of 0.3%, and 1% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 2.24%, 6th of 12 against a median of 2.07%, on an efficiency ratio of 17.1%, the lowest in the cohort. Five years ago it was 1.85%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioUT banks over $10B · 30 June 2026 · lower is stronger, listed first
median 52.6% BB BMW Bank of North America 17.1% UB UBS Bank USA National Association 26.3% OB Optum Bank Inc 29.2% SM Sallie Mae Bank 33.0% SB Synchrony Bank 36.8% AB Ally Bank 49.0% CC Comenity Capital Bank 56.2% WB Wex Bank 57.3% ZB Zions Bcorp N A 62.8% SB Sofi Bank National Association 67.3% AE American Express National Bank 71.8% HB Happen Bank National Association 74.4%
Loans, year over yearUT banks over $10B · 30 June 2026 · no better direction, largest first
median +8.2% SB Sofi Bank National Association +54.1% OB Optum Bank Inc +25.3% HB Happen Bank National Association +16.9% WB Wex Bank +16.0% BB BMW Bank of North America +8.6% CC Comenity Capital Bank +8.3% AB Ally Bank +8.0% AE American Express National Bank +7.2% UB UBS Bank USA National Association +6.9% SB Synchrony Bank +2.7% ZB Zions Bcorp N A +2.5% SM Sallie Mae Bank -7.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
BMW BankRankCohort median
Total CRE against capital, the 300% screen1%6th of 122%
Construction against capital, the 100% screen0%5th of 120%
Construction and land development, share of loans0.0%5th of 120.0%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%5th of 120.0%
Total CRE, the guidance definition, share of loans0.2%6th of 120.3%
CRE growth over 36 months, the third prong+31.1%6th of 10+17.1%
Commercial real estate against capital, the 300% screenUT banks over $10B · 30 June 2026 · lower is stronger, listed first
median 2% AE American Express National Bank 0% SM Sallie Mae Bank 0% CC Comenity Capital Bank 0% SB Synchrony Bank 0% WB Wex Bank 1% BB BMW Bank of North America 1% SB Sofi Bank National Association 2% UB UBS Bank USA National Association 14% HB Happen Bank National Association 16% AB Ally Bank 17% ZB Zions Bcorp N A 152% OB Optum Bank Inc 221%
CRE growth over 36 months, the guidance's third prongUT banks over $10B · 30 June 2026 · lower is stronger, listed first
median +17.1% SM Sallie Mae Bank -100.0% SB Synchrony Bank -85.0% UB UBS Bank USA National Association -30.7% HB Happen Bank National Association -6.2% ZB Zions Bcorp N A +3.1% BB BMW Bank of North America +31.1% SB Sofi Bank National Association +77.1% OB Optum Bank Inc +92.0% AB Ally Bank +115.7% WB Wex Bank +174.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American Express National Bank$213.95B3.7%71.8%0.63%2.39%3.3%100.5%9.0%
Ally Bank$188.18B1.2%49.0%0.85%1.13%2.5%91.9%8.3%
UBS Bank USA National Association$124.44B1.1%26.3%0.12%-0.01%0.1%85.1%7.6%
Synchrony Bank$115.22B2.8%36.8%2.04%5.38%10.2%114.9%12.9%
Zions Bcorp N A$89.04B1.5%62.8%0.47%0.04%1.1%81.7%8.6%
Sofi Bank National Association$56.82B1.9%67.3%0.08%0.07%0.1%99.9%12.8%
Sallie Mae Bank$28.54B2.8%33.0%0.65%1.91%6.4%103.9%10.2%
Optum Bank Inc$21.43B2.5%29.2%0.21%0.22%0.9%60.2%14.8%
Comenity Capital Bank$13.86B1.7%56.2%3.21%7.47%11.4%107.2%13.0%
BMW Bank of North America$13.80B2.2%17.1%0.09%0.19%0.5%107.5%12.8%
Happen Bank National Association$12.48B1.8%74.4%0.82%2.07%2.7%64.9%11.5%
Wex Bank$10.71B4.0%57.3%0.44%1.69%1.3%55.4%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
BMW BankCohort median
20212026Change20212026Change
Loans$8.69B$10.24B+18%$14.99B$33.92B+126%
Deposits$7.49B$9.52B+27%$16.64B$33.55B+102%
NPA / loans0.15%0.09%-0.06 pts0.64%0.55%-0.09 pts
Efficiency23.1%17.1%-6.0 pts47.2%52.6%+5.3 pts
ROA1.85%2.24%+0.39 pts2.05%2.07%+0.01 pts

This read was prepared for BMW Bank of North America's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on BMW Bank of North America is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort UT banks over $10B
Institution www.bmwusa.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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