BMW Bank of North America: how it compares with its peers
Against 148 U.S. banks with half to twice its assets, BMW Bank of North America's strongest measure in Q2 2026 is assets per employee ($492.7M vs. a $10.4M peer median). Its weakest relative measure is net interest margin (3.04% vs. 3.63%).
| Measure | BMW Bank of North America | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.29% | 1.29% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.04% | 3.63% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 17.13% | 54.83% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $492.7M | $10.4M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.94% | 86.73% | Context |
What it means for lending operations
Its efficiency ratio of 17.13% is better than the 54.83% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Comenity Capital Bank Draper, UT · $13.86B
- NexBank Dallas, TX · $14.16B
- Israel Discount Bank of New York New York, NY · $14.39B
- ConnectOne Bank Englewood Cliffs, NJ · $14.40B
- First Bank Southern Pines, NC · $13.03B
- Stifel Bank Saint Louis, MO · $14.62B
Questions about BMW Bank of North America
How big is BMW Bank of North America?
BMW Bank of North America, established in 1999, is headquartered in Salt Lake City, UT. It reported $13.80B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is BMW Bank of North America's return on assets?
2.29% annualized in Q2 2026, against a 1.29% median for 148 U.S. banks with half to twice its assets, ahead of 93% of them.
What is BMW Bank of North America's efficiency ratio?
17.13% in Q2 2026: it spent about 17 cents in noninterest expense for each dollar of revenue. The peer median is 54.83%, and lower is better.
Is BMW Bank of North America growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 19.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Utah bank ranked.