PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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