BMW Bank of North America is a state-chartered bank headquartered in Salt Lake City, Utah, in business for about 27 years. At the end of Q2 2026 it reported $13.8B in total assets and $9.5B in deposits, with 1 office.
Based on its Q2 2026 filing, BMW Bank of North America scores 87/100, which we describe as very strong. That is higher than 98% of 132 banks with $10 billion – $100 billion. Among 45 banks headquartered in Utah, it ranks 8th. Its strongest component is earnings (100/100; 2.29%), and its lowest is funding & liquidity (53/100; 107% loans-to-deposits, 3% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (89 → 87), mostly because the capital cushion component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 91 |
| Q4 2024 | 91 |
| Q1 2025 | 91 |
| Q2 2025 | 89 |
| Q3 2025 | 90 |
| Q4 2025 | 88 |
| Q1 2026 | 88 |
| Q2 2026 | 87 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.39% |
| Q3 2024 | 14.83% |
| Q4 2024 | 15.18% |
| Q1 2025 | 15.76% |
| Q2 2025 | 14.07% |
| Q3 2025 | 14.43% |
| Q4 2025 | 13.70% |
| Q1 2026 | 13.91% |
| Q2 2026 | 13.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.11% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.22% |
| Q3 2024 | 2.19% |
| Q4 2024 | 2.23% |
| Q1 2025 | 2.47% |
| Q2 2025 | 2.38% |
| Q3 2025 | 2.33% |
| Q4 2025 | 2.31% |
| Q1 2026 | 2.26% |
| Q2 2026 | 2.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 87 | $13.8B | 13.24% | 0.09% | 2.29% | 106.9% |
| Q1 2026 | 88 | $13.0B | 13.91% | 0.08% | 2.26% | 112.6% |
| Q4 2025 | 88 | $12.8B | 13.70% | 0.11% | 2.31% | 111.6% |
| Q3 2025 | 90 | $12.5B | 14.43% | 0.10% | 2.33% | 116.6% |
| Q2 2025 | 89 | $12.3B | 14.07% | 0.09% | 2.38% | 117.6% |
| Q1 2025 | 91 | $12.3B | 15.76% | 0.11% | 2.47% | 116.6% |
| Q4 2024 | 91 | $12.2B | 15.18% | 0.14% | 2.23% | 113.8% |
| Q3 2024 | 91 | $11.9B | 14.83% | 0.15% | 2.19% | 119.1% |
| Q2 2024 | 89 | $12.1B | 14.39% | 0.17% | 2.22% | 119.3% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Utah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Comenity Capital BankBank Draper, UT | 58 out of 100, Moderate | $13.9B | 12.8% | 3.21% | vs |
| Happen Bank, National AssociationBank Lehi, UT | 79 out of 100, Strong | $12.5B | 11.0% | 0.82% | vs |
| WEX BankBank Sandy, UT | 78 out of 100, Strong | $10.7B | 8.9% | 0.44% | vs |
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Sallie Mae BankBank Salt Lake City, UT | 74 out of 100, Strong | $28.5B | 10.2% | 0.65% | vs |
| SoFi Bank, National AssociationBank Cottonwood Heights, UT | 88 out of 100, Very strong | $56.8B | 13.3% | 0.08% | vs |
Deposit insurance
Is my money safe at BMW Bank of North America?
Yes. BMW Bank of North America is an FDIC-insured institution (FDIC certificate #35141). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 3.4% of deposits ($325.7M) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.03% (benchmark: 10%).
1 location
Branches
BMW Bank of North America lists 1 office in 1 city. Most locations:
Identity & history
Profile
- Legal name
- BMW Bank of North America
- Type
- State-chartered bank
- FDIC certificate #
- 35141
- RSSD ID
- 2850722
- Primary regulator
- FDIC
- Established
- November 12, 1999
- Headquarters
- 2855 East Cottonwood Parkway, Salt Lake City, UT 84121
- Website
- www.bmwusa.com
- Employees
- 28
Quick answers
BMW Bank of North America: common questions
Is BMW Bank of North America FDIC insured?
Yes. BMW Bank of North America is an FDIC-insured institution (FDIC certificate #35141). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BMW Bank of North America's TellerScore?
87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BMW Bank of North America ever failed?
There is no failure record for FDIC certificate #35141 in the FDIC failed bank list.
How many branches does BMW Bank of North America have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Salt Lake City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Uintah Credit UnionCredit union Vernal, UT | 100 out of 100, Very strong | $3.9M | 21.3% | 0.00% | vs |
| Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA | 93 out of 100, Very strong | $26.8M | 20.1% | 0.41% | vs |
| Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT | 93 out of 100, Very strong | $166K | 99.9% | — | vs |
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Wiremen'S Credit UnionCredit union Parma, OH | 92 out of 100, Very strong | $40.6M | 17.0% | 0.11% | vs |