B2 Bank National Association: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, B2 Bank National Association's strongest measure in Q2 2026 is net interest margin (3.43% vs. a 3.95% peer median). Its weakest relative measure is return on assets (-1.47% vs. 1.19%).
| Measure | B2 Bank National Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.47% | 1.19% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.43% | 3.95% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 122.73% | 64.82% | Bottom third Ahead of 1% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $6.5M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 36.87% | 74.77% | Context |
What it means for lending operations
Its efficiency ratio of 122.73% is above the 64.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Sparta Sparta, IL · $115M
- The Lytle State Bank of Lytle, Texas Lytle, TX · $115M
- The Commercial Bank Mason, TX · $115M
- Morganton Savings Bank, S.S.B. Morganton, NC · $114M
- Security State Bank of Aitkin Aitkin, MN · $114M
- Rushford State Bank (Incorporated) Rushford, MN · $115M
Questions about B2 Bank National Association
How big is B2 Bank National Association?
B2 Bank National Association, established in 1902, is headquartered in Holladay, UT. It reported $115M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is B2 Bank National Association's return on assets?
-1.47% annualized in Q2 2026, against a 1.19% median for 999 U.S. banks with half to twice its assets, ahead of 1% of them.
What is B2 Bank National Association's efficiency ratio?
122.73% in Q2 2026: it spent about 123 cents in noninterest expense for each dollar of revenue. The peer median is 64.82%, and lower is better.
Is B2 Bank National Association growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 71.6%.
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.