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
Unfavorable gap of $290.7M · efficiency ratio beats 83% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 1.00% | 1.26% | 1.54% | Beats 47% | 77 / 144 | |
| Return on Equity | 11.51% | 8.98% | 11.34% | 14.40% | Beats 52% | 69 / 144 | |
| Net Interest Margin | 2.77% | 2.82% | 3.31% | 3.68% | Beats 21% | 114 / 144 | |
| Efficiency Ratio | 45.11% | 49.42% | 56.02% | 62.41% | Beats 83% | 26 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.48% | 0.73% | 1.07% | Beats 45% | 79 / 142 | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.11% | 0.22% | Beats 73% | 40 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 14.65% | 12.07% | 12.98% | 14.92% | Beats 70% | 43 / 144 | |
| Total Risk-Based Capital Ratio | 15.75% | 13.39% | 14.14% | 16.25% | Beats 70% | 43 / 144 | |
| Equity / Assets | 10.60% | 9.69% | 11.39% | 12.96% | Beats 38% | 90 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 93.21% | 75.72% | 84.92% | 91.56% | 82nd pctl | 26 / 143 | |
| Loans / Assets | 70.78% | 59.83% | 69.07% | 74.80% | 56th pctl | 63 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |