# BMW BANK OF NORTH AMERICA SALT LAKE CITY, UT · FDIC certificate 35141 · asset band $10-100B · latest filing 2026-06 · live **Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $13.80B | | | Deposits | $9.52B | | | Loans and leases | $10.24B | | | Total equity | $1.76B | | | Loans / deposits | 106.94% (p95 of band) | 85.78% | | Liquid assets / assets | 25.53% (p62 of band) | | | Uninsured deposits / deposits | 3.42% (p6 of band) | 38.39% | | Brokered deposits | 58.54% | | | Wholesale funding | 72.85% (p100 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 13.24% (p95 of band) | 10.17% | | Unrealized securities loss / equity | 3.34% (p100 of band) | -7.43% | | AOCI / equity | -0.08% (p68 of band) | | | ROA (annualized) | 2.29% (p95 of band) | 1.24% | | Net interest margin | 3.04% (p26 of band) | 3.57% | | Efficiency ratio | 17.13% (p8 of band) | | | Noncurrent loans | 0.09% (p8 of band) | 0.66% | | Net charge-offs (annualized) | 0.15% (p70 of band) | | | Reserve coverage of noncurrent | 553.50% | | | Real estate % of loans | 0% | | | Construction % of loans | 0.00% (p6 of band) | | | Auto loans | $10.21B (99.80% of loans; DQ 0.78%, NCO 0.15%) | | | Loans to nondepository financials | $0 (0% of equity) (p8 of band) | | | Deposits YoY | 19.3% | | | Employees | 28 | | ## Flags firing in the latest filing - **loans exceed deposits** (`liq_ltd`) - **brokered >10%** (`liq_brokered`) - **wholesale funding >15%** (`liq_wholesale`) - **auto book souring** (`conc_auto`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, auto book souring | | | 2011-06 | 4 | | | | 2011-09 | 4 | | | | 2011-12 | 4 | | | | 2012-03 | 4 | | | | 2012-06 | 4 | | | | 2012-09 | 4 | | | | 2012-12 | 4 | | | | 2013-03 | 4 | | | | 2013-06 | 4 | | | | 2013-09 | 4 | | | | 2013-12 | 4 | | | | 2014-03 | 4 | | | | 2014-06 | 4 | | | | 2014-09 | 4 | | | | 2014-12 | 5 | deposits shrinking | | | 2015-03 | 4 | | deposits shrinking | | 2015-06 | 5 | deposits shrinking | | | 2015-09 | 4 | | deposits shrinking | | 2015-12 | 4 | | | | 2016-03 | 5 | charge-offs p90 | | | 2016-06 | 4 | | charge-offs p90 | | 2016-09 | 4 | | | | 2016-12 | 5 | deposits shrinking | | | 2017-03 | 5 | charge-offs p90 | deposits shrinking | | 2017-06 | 5 | capital falling | charge-offs p90 | | 2017-09 | 6 | charge-offs p90 | | | 2017-12 | 4 | | capital falling, charge-offs p90 | | 2018-03 | 5 | charge-offs p90 | | | 2018-06 | 4 | | charge-offs p90 | | 2018-09 | 4 | | | | 2018-12 | 4 | | | | 2019-03 | 5 | NIM <2.5% | | | 2019-06 | 5 | | | | 2019-09 | 6 | uninsured deposits leaving | | | 2019-12 | 5 | | uninsured deposits leaving | | 2020-03 | 6 | uninsured deposits leaving | | | 2020-06 | 7 | capital falling | | | 2020-09 | 5 | | uninsured deposits leaving, capital falling | | 2020-12 | 5 | | | | 2021-03 | 5 | deposits shrinking | auto book souring | | 2021-06 | 4 | | deposits shrinking | | 2021-09 | 4 | | | | 2021-12 | 5 | uninsured deposits leaving | | | 2022-03 | 5 | auto book souring | uninsured deposits leaving | | 2022-06 | 5 | | | | 2022-09 | 5 | | | | 2022-12 | 4 | | NIM <2.5% | | 2023-03 | 4 | | | | 2023-06 | 4 | | | | 2023-09 | 4 | | | | 2023-12 | 5 | uninsured deposits leaving | | | 2024-03 | 5 | | | | 2024-06 | 5 | | | | 2024-09 | 5 | | | | 2024-12 | 4 | | uninsured deposits leaving | | 2025-03 | 4 | | | | 2025-06 | 4 | | | | 2025-09 | 4 | | | | 2025-12 | 4 | | | | 2026-03 | 5 | uninsured deposits leaving | | | 2026-06 | 4 | | uninsured deposits leaving | ## In the news (Google News, unfiltered, newest first; check the city) - 2016-05-26 [THREE NEW APPOINTMENTS ANNOUNCED AT BMW BANK OF NORTH AMERICA - BMW Group](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQeVYzTTV1NzNEWHJ0dnNvYjhrQUt0b0Fwd1hqMmdZNkluOVZSTGZRNFZHUkNSUTZpd0luN3ZGdnR0TnVFc3czcFpXaVNtWjhUZUgzWEI0VnBSV3RZNUFhZ1FucmZQa09yU2ZZeVNadnZ3VlNTcHl1YTh0NGNucTBaUGVXN3ZDLXFQQmE2SXR2OTNjZUhoVUtxMzBiR1gxalBld0pUQnN0a29ocFVXZUlPV1A2ZzRGWVFvY2pNdF9VYVJqd0tnOW9NTkVvVDI4ZEpodW5ISFhFcw?oc=5) · BMW Group - 2026-03-15 [BMW Financial Services' Floorplan Dealers Get Online Benefits With New System - F&I and Showroom](https://news.google.com/rss/articles/CBMirgFBVV95cUxNX1BtTkVTOTlQQjJ2enNqMUstSlcxUTl0Tm9feVNIWDRHZVI4bXNUTkZvZ1ZMN082NnRIRXpJaUdoVF9jcHdpUmhTNEVGSTA5SHdqdGFtWEkzUU5DNHhtS2k0LXFoM2J4ZnpKSHlpQU5HeDc3TFJVd1pVTU9aUWtuTmZ1Q1k1RTNEdlZsUVV1T3lTV3cwZHlEU2puelBkQURnRzBhNm1fTXNhbC10TGc?oc=5) · F&I and Showroom - 2017-10-23 [Fintech Interest in Industrial Loan Company Charters: Spurring the Growth of a New Shadow Banking System? - Federal Reserve Bank of St. Louis](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPd1daVFVrdlJ3ckZ2WXRFd2xNb0l5YlJYbnVXeVdURTJOMXBRM3RnazB3NmV2Q3cwekEwSmtlYmVFOVNGZHRSMm5GNGs2NllGS2ppbnJJaTQ1Um9NVUNvMGNDck1FZjBrM0V0RWZKY3NrMG1qU2l0bmUxUHNzQnplS1VMZW81MTRpV1h0NWY5VmtPNkg3RmlMSjJlWkJ3U19VM09qdXFDal8zWmFtNkhYTS1OODJhWXR2UEFLbVRaQzdzMU9xcEY4R21MSHoxci1scWJNeFpR?oc=5) · Federal Reserve Bank of St. Louis - 2026-01-26 [FDIC approves GM Financial Bank, Ford Credit Bank - Equipment Finance News](https://news.google.com/rss/articles/CBMipAFBVV95cUxOb3o4UHFsT3JuN2xWRGF1RGtBd1M2aE14MEE0bWo2WURZMk43NkFjTnZwb29aRGFISTJ2amIzdmFzSDNUZEhRb0k2ZkVPWk1yRDJWbU1yUThoaDRJRE9CWklnOUJDY1NZVjA2MDB0a2ZtS25QZE01bXRFSzJWZ2VxenBxUU5DUW1IMEl4NVJ1MEV2c2c0YzI3WXgtUmJPVFBxalV5ZA?oc=5) · Equipment Finance News - 2020-08-04 [Insight: The Role of Industrial Banks in the Utah Economy – But First, What Is an Industrial Bank? - Kem C. Gardner Policy Institute](https://news.google.com/rss/articles/CBMivgFBVV95cUxOQ0JSY0Y2TmpKdzhzb2xfNXpnMjFoY2kzZFNVMHNsS1BzQjEzdW9yeWh2Vzc1aU41V1hsNnVTVGdZb0RPME94VFBNUzNXV2ZnRW5TV1otcmQyWjlUVXEtY05MSWtSXzI5V3V4VkdmQk5nQUJNcUhXUzljSHhJSzNtRy1tQm5iYTZLYTdUbkkwRjUxTEtBbW9sYnlKYWsyNWpHOWprRTNLQ0oxNWFNOE03TzZoejNmS3pXOGJWd0Jn?oc=5) · Kem C. Gardner Policy Institute - 2020-12-17 [General Motors seeks to avoid mistakes of last foray into banking - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUWd5eHJSY0xVV0I4d2hNU2tqdmhMaGV1aE9pYTFjZ181R0dLa0VPR3F6LTFNVEVibk5qZFpjUjJKRmk3eUlhQm15eDdEMDJzVHJHdWZ6WEVIa3lEX1ZnMjAtemhCZlc2TF9ET1cyNHZYdlp5UW5XN1VoZFhrdndNbDlEa3NyeVc5UWtBQlAwRGhPaFpxTklRZlg5QmktTDZqOEU4?oc=5) · American Banker - 2026-07-16 [Mountain Crane promotes CFO to COO, appoints new finance chief - Crane & Transport Briefing](https://news.google.com/rss/articles/CBMisgFBVV95cUxOM1E1dXhabXpRMjZHRjFKQ203aWZKZ2MtZGlqMFAzNEtqUzdQeDdUXy1rY0ltTEpGUENlSEs5OWRYLS13MWVfbzBwc19mUlhYMDFUeXJuV2ltMEtmR3NaVWxyekZ2M1JGRWROZXpZOWtpcUxEdE10Y1hFS3NzbmxzSVJmZEVxcHJiQ1N3MVlINC1NZEdmVk9IYkRnTnhDRnpXTEo3OERsT0NQclR6NmVOdTZB?oc=5) · Crane & Transport Briefing - 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=35141 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "35141", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide