Coral Gables, FL · Cert 21265 · BBD Participacoes Sa
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 1.4% share · #14 of 86 inst. · $5.0B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.71% | 0.90% | 0.91% | 0.94% | 0.94% | 1.15% | 1.03% | +12 bps | |
| Return on Equity | 6.47% | 6.54% | 8.96% | 8.90% | 9.15% | 9.11% | 10.82% | 9.99% | +109 bps | |
| Net Interest Margin | 2.39% | 2.27% | 2.65% | 2.67% | 2.60% | 2.58% | 2.72% | 2.71% | +4 bps | |
| Efficiency Ratio | 64.65% | 65.15% | 59.08% | 58.68% | 57.96% | 58.54% | 56.61% | 59.34% | +66 bps | |
| Non-Interest Burden | 1.37% | 1.32% | 1.32% | 1.33% | 1.27% | 1.29% | 1.25% | 1.35% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.20% | 26.03% | 19.42% | 17.02% | 15.56% | 1.15% | 8.53% | 19.19% | +217 bps | |
| Loan Growth (YoY) | 17.12% | 15.71% | 18.18% | 15.96% | 14.69% | 17.78% | 11.90% | 15.17% | -79 bps | |
| Deposit Growth (YoY) | 27.51% | 27.65% | 18.86% | 14.21% | 15.38% | -2.38% | 5.03% | 18.16% | +395 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.19% | 0.22% | 0.26% | 0.18% | 0.20% | 0.22% | 0.15% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.71% | 10.99% | 10.92% | 10.98% | 10.66% | 10.57% | 10.20% | 10.09% | -90 bps | |
| Total Risk-Based Capital | 19.19% | 18.19% | 18.20% | 17.80% | 18.17% | 16.99% | 16.46% | 14.95% | -284 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.10% | 78.64% | 87.07% | 93.65% | 87.57% | 94.87% | 92.77% | 91.27% | -237 bps | |
| Liquid Assets / Assets | 1.09% | 1.08% | 1.22% | 1.27% | 1.17% | 1.28% | 1.43% | 1.31% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |