BMW Bank of North America

Overview

What stands out about BMW Bank of North America?

Against its six size peers, its efficiency ratio stands out most: 17.13% at Q2 2026, below the peer median of 52.99%. By common equity tier 1 (CET1) ratio it moved from 118th to 185th among 448 banks between Q1 2026 and Q2 2026 (1 = highest). Its uninsured share of domestic deposits of 3.42% at Q2 2026 is in the lowest 5% of the 500 banks reporting it (rank 489 of 500, 1 = highest).

How large is BMW Bank of North America?

At Q2 2026 the bank held $13.8 bn of assets. Deposits were $9.5 bn and net loans and leases $10.2 bn, a loan-to-deposit ratio of 106.94%. Securities of $2.8 bn made up 20.6% of assets.

Total assets rose 38.4% between Q1 2016 and Q2 2026, from $10.0 bn.

How much of its funding is uninsured?

An estimated 3.42% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.32 pp from the previous quarter and -0.65 pp from a year earlier. That share ranks 489th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 13.65% at Q2 2026, -1.60 pp from a year earlier. Since Q1 2016 it has ranged from 13.65% (Q2 2026) to 17.60% (Q4 2018). At Q2 2026 the tier 1 leverage ratio was 13.24% and the total risk-based capital ratio 14.03%. The median CET1 ratio of the size peers listed below was 14.80% at Q2 2026.

Held-to-maturity securities had an unrealized gain of $86.0 mn at Q2 2026, measured as fair value minus amortized cost, equal to 4.9% of bank equity capital. The gain rose by $24.6 mn from a year earlier. The largest unrealized loss on these securities was $26.5 mn at Q3 2022. Available-for-sale securities showed an unrealized loss of $27.1 mn at Q2 2026; the loss narrowed by $6.5 mn from a year earlier.

Return on equity was 17.05% for the year to Q2 2026, annualized, with a return on assets of 2.29% and a net interest margin of 3.04%. The margin was 0.00 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 17.13%. Net income for the year to Q2 2026 was $151.0 mn, up 3.2% on the same period a year earlier. The median return on equity of its size peers was 11.85% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.09% of total loans at Q2 2026. Net charge-offs for the year to date were 0.20% of average loans, annualized.

The FDIC history records no mergers or acquisitions for BMW Bank of North America since Q1 2016, and its total assets never moved more than 25% in one quarter.