PackageTrendsPeer
Letter portraitLegal landscape

City National Bank of Florida

Miami, FL · Cert 20234 · Empresas Juan Yarur Spa

National charter · OCC · 30 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

City National Bank of Florida

Miami, FL · Cert 20234 · Empresas Juan Yarur Spa

National charter · OCC · 30 branches

Q2 2026

$29.1BAssets
$20.6BLoans
$22.1BDeposits
$3.1BEquity
Loan mix
84%RE $15.1B16%C&I $2.9B0%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $16.9B23%Noninterest $5.2BQ3 2024Q2 2026

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 6.1% share · #6 of 86 inst. · $21.4B of $348.8B

8.8% Miami-Dade
2.4% Palm Beach
1.6% Broward
1.7% Orange

Executive Summary

  • Earnings: ROA of 1.24%, up 34 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.81% of loans (+15 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.38%, up 69 bps from a year ago.
  • Funding: loans stand at 93.21% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.24%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+40 bps YoY

Efficiency Ratio (YTD, annualized)

43.19%-549 bps YoY

Tier 1 Leverage Ratio

11.38%+69 bps YoY

NIM

4.73%Q2 ’244.83%Q2 ’254.86%Q2 ’26+33%+17%

Non-interest income vs. expense

1.35%Q2 ’241.42%Q2 ’251.45%Q2 ’26+8%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.34%0.82%0.90%0.93%0.96%1.19%1.24%+34 bps
Return on Equity2.34%3.61%8.60%9.29%9.48%9.62%11.41%11.86%+257 bps
Net Interest Margin1.84%1.94%2.35%2.37%2.40%2.46%2.76%2.77%+40 bps
Efficiency Ratio57.57%54.58%51.11%48.68%48.23%48.16%44.24%43.19%-549 bps
Non-Interest Burden0.96%0.95%1.07%1.00%1.00%1.02%1.05%1.00%0 bps
Growth
Asset Growth (YoY)0.57%1.41%4.01%3.26%6.04%5.82%5.34%7.59%+432 bps
Loan Growth (YoY)2.69%4.71%8.53%8.08%9.51%8.01%7.55%7.66%-42 bps
Deposit Growth (YoY)-3.60%-0.86%4.30%2.67%6.01%5.20%0.48%2.68%0 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.71%0.66%0.66%1.05%0.94%0.86%0.81%+15 bps
Net Charge-Offs / Loans0.06%0.15%0.10%0.06%0.02%0.06%0.08%0.09%+3 bps
Allowance / Loans0.98%1.01%1.05%1.10%1.15%1.11%1.10%1.09%-1 bps
Allowance Coverage of NPLs1.5x1.4x1.6x1.7x1.1x1.2x1.3x1.4x-0.3x
Capital
Tier 1 Leverage Ratio10.34%10.57%10.52%10.69%10.82%10.94%11.22%11.38%+69 bps
Total Risk-Based Capital15.10%15.08%15.14%15.51%15.35%15.48%15.48%15.75%+24 bps
Equity / Assets9.80%9.52%9.64%9.96%10.14%10.37%10.45%10.60%+65 bps
Liquidity & Funding
Loans / Deposits87.35%88.13%86.27%88.89%90.24%90.49%92.35%93.21%+432 bps
Liquid Assets / Assets11.36%11.04%11.42%10.17%10.14%10.86%10.71%10.01%-16 bps
CRE / Total Capitaln/an/an/an/a356%341%333%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

City National Bank of Florida

Miami, FL · Cert 20234 · Peer group: banks over $10B in assets (n=142-144) · Empresas Juan Yarur Spa

National charter · OCC · 30 branches

Q2 2026

$29.1BAssets
$20.6BLoans
$22.1BDeposits
$3.1BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 83% of banks over $10B in assets (rank 26 of 144).
  • Widest gap: net interest margin trails 79% of banks over $10B in assets (rank 114 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.22%

Rank 77 of 144

Net Interest Margin

2.77%

Rank 114 of 144

Efficiency Ratio

45.11%

Rank 26 of 144

Equity / Assets

10.60%

Rank 90 of 144

Non-interest income vs. expense

$130.9M$421.6MINCOMEEXPENSE
Unfavorable gap of $290.7M · efficiency ratio beats 83% of banks over $10B in assets
Bank 45.11%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.22%1.00%1.26%1.54%Beats 47%77 / 144
Return on Equity11.51%8.98%11.34%14.40%Beats 52%69 / 144
Net Interest Margin2.77%2.82%3.31%3.68%Beats 21%114 / 144
Efficiency Ratio45.11%49.42%56.02%62.41%Beats 83%26 / 144
Asset Quality
Nonperforming Loans / Loans0.81%0.48%0.73%1.07%Beats 45%79 / 142
Net Charge-Offs / Loans0.05%0.05%0.11%0.22%Beats 73%40 / 142
Capital
Tier 1 Capital Ratio14.65%12.07%12.98%14.92%Beats 70%43 / 144
Total Risk-Based Capital Ratio15.75%13.39%14.14%16.25%Beats 70%43 / 144
Equity / Assets10.60%9.69%11.39%12.96%Beats 38%90 / 144
Liquidity & Funding
Loans / Deposits93.21%75.72%84.92%91.56%82nd pctl26 / 143
Loans / Assets70.78%59.83%69.07%74.80%56th pctl63 / 144
Brokered Deposits / Depositsn/aNot reported for this institution