Miami, FL · Cert 20234 · Empresas Juan Yarur Spa
National charter · OCC · 30 branches
Q2 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
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 | 0.90% | 0.93% | 0.96% | 1.19% | 1.24% | +34 bps | |
| Return on Equity | 9.29% | 9.48% | 9.62% | 11.41% | 11.86% | +257 bps | |
| Net Interest Margin | 2.37% | 2.40% | 2.46% | 2.76% | 2.77% | +40 bps | |
| Efficiency Ratio | 48.68% | 48.23% | 48.16% | 44.24% | 43.19% | -549 bps | |
| Non-Interest Burden | 1.00% | 1.00% | 1.02% | 1.05% | 1.00% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.26% | 6.04% | 5.82% | 5.34% | 7.59% | +432 bps | |
| Loan Growth (YoY) | 8.08% | 9.51% | 8.01% | 7.55% | 7.66% | -42 bps | |
| Deposit Growth (YoY) | 2.67% | 6.01% | 5.20% | 0.48% | 2.68% | 0 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 1.05% | 0.94% | 0.86% | 0.81% | +15 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.02% | 0.06% | 0.08% | 0.09% | +3 bps | |
| Allowance / Loans | 1.10% | 1.15% | 1.11% | 1.10% | 1.09% | -1 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.1x | 1.2x | 1.3x | 1.4x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.69% | 10.82% | 10.94% | 11.22% | 11.38% | +69 bps | |
| Total Risk-Based Capital | 15.51% | 15.35% | 15.48% | 15.48% | 15.75% | +24 bps | |
| Equity / Assets | 9.96% | 10.14% | 10.37% | 10.45% | 10.60% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.89% | 90.24% | 90.49% | 92.35% | 93.21% | +432 bps | |
| Liquid Assets / Assets | 10.17% | 10.14% | 10.86% | 10.71% | 10.01% | -16 bps | |
| CRE / Total Capital | n/a | 356% | 341% | 333% | n/a | n/a | |