Miami, FL · Cert 25258
National charter · OCC · 2 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.6% share · #29 of 86 inst. · $2.1B 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 | -0.61% | -0.53% | -0.80% | -0.47% | -0.49% | +13 bps | |
| Return on Equity | -7.01% | -5.90% | -8.93% | -5.38% | -5.49% | +153 bps | |
| Net Interest Margin | 2.01% | 2.01% | 1.93% | 1.81% | 1.57% | -44 bps | |
| Efficiency Ratio | 130.80% | 126.32% | 138.20% | 123.36% | 116.89% | -1,391 bps | |
| Non-Interest Burden | 2.64% | 2.55% | 2.66% | 2.23% | 1.84% | -80 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 111.50% | 94.53% | 51.45% | 67.60% | 86.19% | -2,531 bps | |
| Loan Growth (YoY) | 50.44% | 45.29% | 58.18% | 60.36% | 76.08% | +2,564 bps | |
| Deposit Growth (YoY) | 116.02% | 113.27% | 48.84% | 83.95% | 94.11% | -2,192 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.09% | 0.05% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | 0.10% | 0.04% | +4 bps | |
| Allowance / Loans | 1.50% | 1.49% | 1.57% | 1.50% | 1.40% | -9 bps | |
| Allowance Coverage of NPLs | 3233.7x | 56.5x | 18.0x | 29.2x | 11.0x | -3222.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.56% | 10.05% | 10.35% | 9.84% | 9.71% | +15 bps | |
| Total Risk-Based Capital | 18.85% | 19.89% | 17.69% | 18.52% | 18.52% | -33 bps | |
| Equity / Assets | 8.86% | 9.76% | 8.96% | 8.63% | 8.94% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 59.56% | 59.78% | 61.49% | 51.59% | 54.03% | -553 bps | |
| Liquid Assets / Assets | 3.07% | 4.40% | 8.80% | 4.76% | 3.33% | +26 bps | |
| CRE / Total Capital | n/a | 293% | 342% | 287% | n/a | n/a | |