Miami, FL · Cert 20026 · Corpofin CA
National charter · OCC · 4 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.0% share · #71 of 86 inst. · $0.1B of $348.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.27% | -2.30% | -2.98% | -7.14% | -6.56% | -429 bps | |
| Return on Equity | -25.21% | -25.08% | -32.36% | -76.92% | -72.24% | -4,703 bps | |
| Net Interest Margin | 4.57% | 4.57% | 4.74% | 3.99% | 4.28% | -30 bps | |
| Efficiency Ratio | 146.34% | 154.98% | 173.34% | 278% | 270% | +12,376 bps | |
| Non-Interest Burden | 7.05% | 7.52% | 8.77% | 11.95% | 12.49% | +544 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -36.32% | -35.51% | -35.33% | -34.87% | -35.17% | +115 bps | |
| Loan Growth (YoY) | -38.94% | -41.02% | -40.94% | -32.65% | -28.11% | +1,084 bps | |
| Deposit Growth (YoY) | -37.19% | -36.55% | -35.74% | -34.72% | -34.06% | +314 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.07% | 0.08% | 0.08% | +8 bps | |
| Net Charge-Offs / Loans | -0.49% | -0.62% | -0.51% | -0.07% | -0.22% | +27 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.43% | 9.45% | 9.01% | 8.49% | 8.01% | -141 bps | |
| Total Risk-Based Capital | 18.23% | 18.38% | 16.71% | 15.94% | 15.17% | -305 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.29% | 71.50% | 75.05% | 77.32% | 78.82% | +652 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |