BMW Bank of North America
BMW Bank of North America reported total assets of $13.8 bn at Q2 2026, up 12.3% on a year earlier, the 135th largest of 497 banks in our US coverage. The CET1 capital ratio at BMW Bank of North America was 13.65%, and the uninsured share of BMW Bank of North America was 3.42%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, BMW Bank of North America slipped from 113th to 185th among 448 US banks between and (1 = highest; FDIC Call Reports).
- BMW Bank of North America reports one of the lowest efficiency ratio readings among banks of $10 bn to $100 bn: 17.13% at , where the median of the 126 banks is 55.14% (FDIC Call Reports).
- The uninsured share of domestic deposits of BMW Bank of North America, 3.42% at , places BMW Bank of North America in the bottom tenth of banks of $10 bn to $100 bn (group median 38.56%; FDIC Call Reports).
What sets BMW Bank of North America apart
- Few banks of $10 bn to $100 bn report a higher loan-to-deposit ratio than BMW Bank of North America, at 106.94% in against a group median of 85.69%.
- BMW Bank of North America has one of the highest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 13.24% at , against a median of 10.25% across 126 banks.
- At 2.29%, the return on assets (ROA) of BMW Bank of North America sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 1.25%.
How large is BMW Bank of North America?
The balance sheet of BMW Bank of North America at : assets $13.8 bn, deposits $9.5 bn, net loans $10.2 bn (loans equal to 106.94% of deposits). Securities make up 20.6% of total assets at BMW Bank of North America. Since , when BMW Bank of North America held $10.0 bn, its assets grew 38.4%. In the year to , deposits at BMW Bank of North America rose 19.3% while its total assets rose 12.3%. At , BMW Bank of North America employed 28 full-time equivalent staff across 1 office, about $492.7 mn of assets per employee and $9.5 bn of deposits per office.
How much funding at BMW Bank of North America is uninsured?
At BMW Bank of North America, uninsured deposits (above the FDIC limit) made up 3.42% of domestic deposits at (-0.65 pp on a year earlier); BMW Bank of North America ranks 489th of 500 on this measure. In dollars, BMW Bank of North America estimated $325.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $9.5 bn | +19.3% | 146th of 499 |
| Net loans and leases | $10.2 bn | +8.5% | 124th of 500 |
| Loan-to-deposit ratio | 106.94% | -10.64 pp | 28th of 500 |
| Tier 1 leverage ratio | 13.24% | -0.83 pp | 48th of 500 |
| Total risk-based capital ratio | 14.03% | -1.55 pp | 247th of 448 |
| Net interest margin | 3.04% | 0.00 pp | 397th of 500 |
| Return on assets (ROA) | 2.29% | -0.10 pp | 30th of 500 |
| Efficiency ratio | 17.13% | -0.55 pp | 6th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $86.0 mn | Rose by $24.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $27.1 mn | Narrowed by $6.5 mn | |
| Noncurrent loans to total loans | 0.09% | 0.00 pp | 31st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.20% | -0.11 pp | 349th of 500 (1 = lowest) |
US rank of BMW Bank of North America: 1 = highest unless marked 1 = lowest.
Balance sheet
BMW Bank of North America: assets, deposits and loans
- Total assets $13.8bn
- Deposits $9.5bn
- Net loans $10.2bn
Capital and securities
The CET1 ratio of BMW Bank of North America stood at 13.65% in , -1.60 pp year on year. Low and high at BMW Bank of North America since : 13.65% () to 17.60% (). Equity capital of BMW Bank of North America at : $1.8 bn, or 12.8% of total assets. BMW Bank of North America also reported a total capital ratio of 14.03% for , and a tier 1 leverage ratio of 13.24%.
On held-to-maturity securities, BMW Bank of North America carried an unrealized gain of $86.0 mn at , equal to 4.9% of equity capital. The gain rose by $24.6 mn over the year. Its deepest point: $26.5 mn in . The available-for-sale portfolio of BMW Bank of North America showed an unrealized loss of $27.1 mn at ; the loss narrowed by $6.5 mn over the year.
BMW Bank of North America: capital ratios
- Total capital 14%
- CET1 14%
- Tier 1 leverage 13%
BMW Bank of North America: unrealized securities gains and losses
- Available for sale -$27mn
- Held to maturity $86mn
Profitability and loan quality
For the year to , BMW Bank of North America earned a return on equity of 17.05%; return on assets: 2.29%. Net interest margin at BMW Bank of North America: 3.04%, 0.00 pp in a year. BMW Bank of North America net income: $151.0 mn, up 3.2% year on year. The efficiency ratio of BMW Bank of North America was 17.13%: about 17 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.09% of total loans at BMW Bank of North America; net charge-offs: 0.20% of average loans. Gross loans and leases at BMW Bank of North America: $10.2 bn, up 8.6% in a year.
BMW Bank of North America: profitability
- Return on equity 17%
- Net interest margin 3.0%
- Return on assets 2.3%
Peer group of BMW Bank of North America
The peer group of BMW Bank of North America is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of BMW Bank of North America (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Utah. Against them, BMW Bank of North America shows CET1 ratio 13.65% against a peer median of 14.80%, return on equity 17.05% against a peer median of 11.85% and uninsured deposit share 3.42% against a peer median of 27.95%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Israel Discount Bank of New York | State nonmember bank | NY | $14.4 bn | 14.38% | 7.33% | 50.34% | |
| NexBank | State nonmember bank | TX | $14.2 bn | 14.92% | 12.13% | 13.04% | |
| Comenity Capital Bank | State nonmember bank | UT | $13.9 bn | 12.52% | 12.74% | 8.82% | |
| BMW Bank of North America | State nonmember bank | UT | $13.8 bn | 13.65% | 17.05% | 3.42% | |
| First Bank | State member bank | NC | $13.0 bn | 14.69% | 11.56% | 41.00% | |
| BancFirst | State member bank | OK | $12.8 bn | 17.11% | 15.71% | 27.08% | |
| Dollar Bank, Federal Savings Bank | Federal savings bank | PA | $12.7 bn | 15.38% | 5.92% | 28.83% | |
. FDIC Call Reports.
Last eight quarters
Two years at BMW Bank of North America, to : assets +15.5%, deposits +25.1%, equity -0.8%. Staff 30 to 28.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $11.9 bn | $12.2 bn | $12.3 bn | $12.3 bn | $12.5 bn | $12.8 bn | $13.0 bn | $13.8 bn |
| Total deposits | $7.6 bn | $8.2 bn | $8.1 bn | $8.0 bn | $8.1 bn | $8.6 bn | $8.7 bn | $9.5 bn |
| Bank equity capital | $1.8 bn | $1.8 bn | $1.9 bn | $1.7 bn | $1.8 bn | $1.7 bn | $1.8 bn | $1.8 bn |
| CET1 ratio | 15.98% | 16.23% | 16.80% | 15.25% | 15.57% | 14.53% | 14.88% | 13.65% |
| Return on equity (ROE) | 14.73% | 14.94% | 16.12% | 15.97% | 15.71% | 15.84% | 16.46% | 17.05% |
| Uninsured share of domestic deposits | 4.23% | 5.48% | 6.87% | 4.07% | 4.03% | 6.67% | 3.74% | 3.42% |
| Full-time equivalent employees | 30 | 29 | 27 | 28 | 27 | 27 | 26 | 28 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by BMW Bank of North America appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of BMW Bank of North America?
BMW Bank of North America reported $13.8 bn at in its Call Report. That makes BMW Bank of North America the 135th largest of 497 banks in our US coverage.
Is BMW Bank of North America profitable?
BMW Bank of North America reported net income of $151.0 mn for the year to ; annualized return on equity: 17.05%. So yes: BMW Bank of North America made a profit over these months.
When is data for BMW Bank of North America next updated?
Figures from BMW Bank of North America for are due after .
Where can I check the figures for BMW Bank of North America?
In the FDIC BankFind Suite record for certificate 35141, and in the Call Reports of BMW Bank of North America (RSSD ID 2850722) at the FFIEC Central Data Repository.