FinWise Bank (FDIC certificate #35323) is based in Murray, Utah. Its Q2 2026 call report shows $915.5M in total assets and $723.0M in deposits and 2 offices.
Based on its Q2 2026 filing, FinWise Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 45 banks headquartered in Utah, it ranks 39th. Its strongest component is capital cushion (100/100; 18.05%), and its lowest is loan quality (0/100; 5.11%).
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 (63 → 61), mostly because the earnings component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 62 |
| Q4 2024 | 63 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 60 |
| Q2 2026 | 61 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.81% |
| Q3 2024 | 20.28% |
| Q4 2024 | 20.58% |
| Q1 2025 | 18.80% |
| Q2 2025 | 17.97% |
| Q3 2025 | 17.19% |
| Q4 2025 | 16.90% |
| Q1 2026 | 16.81% |
| Q2 2026 | 18.05% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 5.64% |
| Q3 2024 | 5.82% |
| Q4 2024 | 6.49% |
| Q1 2025 | 4.88% |
| Q2 2025 | 5.86% |
| Q3 2025 | 5.92% |
| Q4 2025 | 5.87% |
| Q1 2026 | 7.00% |
| Q2 2026 | 5.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.04% |
| Q3 2024 | 3.03% |
| Q4 2024 | 2.81% |
| Q1 2025 | 1.82% |
| Q2 2025 | 2.02% |
| Q3 2025 | 2.16% |
| Q4 2025 | 2.07% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $915.5M | 18.05% | 5.11% | 1.42% | 95.4% |
| Q1 2026 | 60 | $889.8M | 16.81% | 7.00% | 1.54% | 95.1% |
| Q4 2025 | 64 | $967.5M | 16.90% | 5.87% | 2.07% | 89.4% |
| Q3 2025 | 63 | $898.8M | 17.19% | 5.92% | 2.16% | 96.0% |
| Q2 2025 | 63 | $833.1M | 17.97% | 5.86% | 2.02% | 98.5% |
| Q1 2025 | 63 | $795.7M | 18.80% | 4.88% | 1.82% | 93.5% |
| Q4 2024 | 63 | $732.8M | 20.58% | 6.49% | 2.81% | 94.4% |
| Q3 2024 | 62 | $671.5M | 20.28% | 5.82% | 3.03% | 96.8% |
| Q2 2024 | 63 | $607.3M | 20.81% | 5.64% | 3.04% | 101.0% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Thrivent BankBank Salt Lake City, UT | 71 out of 100, Strong | $905.6M | 29.8% | 0.26% | vs |
| First Utah BankBank Salt Lake City, UT | 37 out of 100, Low | $840.3M | 10.2% | 6.39% | vs |
| The Pitney Bowes Bank, Inc.Bank Salt Lake City, UT | 84 out of 100, Strong | $796.3M | 12.4% | 0.44% | vs |
| Grand Valley BankBank Heber City, UT | 82 out of 100, Strong | $599.4M | 11.5% | 0.02% | vs |
| First Electronic BankBank Salt Lake City, UT | 91 out of 100, Very strong | $502.9M | 46.8% | 0.01% | vs |
| Milestone BankBank Salt Lake City, UT | 53 out of 100, Below average | $342.2M | 15.0% | 5.32% | vs |
Deposit insurance
Is my money safe at FinWise Bank?
Yes. FinWise Bank is an FDIC-insured institution (FDIC certificate #35323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.5% of deposits ($140.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
FinWise Bank lists 2 offices in 2 cities. Most locations:
- Murray, UT (1)
- Sandy, UT (1)
Identity & history
Profile
- Legal name
- FinWise Bank
- Former names
- Utah Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35323
- RSSD ID
- 2880019
- Primary regulator
- FDIC
- Holding company
- Finwise Bcorp
- Established
- July 25, 2000
- Headquarters
- 756 E Winchester St, Murray, UT 84107
- Website
- www.finwise.bank
- Employees
- 206
Quick answers
FinWise Bank: common questions
Is FinWise Bank FDIC insured?
Yes. FinWise Bank is an FDIC-insured institution (FDIC certificate #35323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FinWise Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has FinWise Bank ever failed?
There is no failure record for FDIC certificate #35323 in the FDIC failed bank list.
How many branches does FinWise Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Murray
| 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 |
| Optum Bank, Inc.Bank Draper, UT | 93 out of 100, Very strong | $21.4B | 13.2% | 0.21% | vs |
| Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT | 93 out of 100, Very strong | $166K | 99.9% | — | 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 |