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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.34% | -0.50% | -0.82% | -0.41% | -0.38% | -1.52% | -0.47% | -0.49% | -8 bps | |
| Return on Equity | -28.44% | -6.27% | -9.52% | -4.50% | -4.09% | -16.26% | -5.38% | -5.61% | -111 bps | |
| Net Interest Margin | 2.20% | 2.11% | 1.99% | 2.17% | 2.24% | 2.12% | 1.81% | 1.69% | -48 bps | |
| Efficiency Ratio | 195.77% | 157.76% | 137.70% | 124.86% | 118.64% | 172.65% | 123.36% | 111.45% | -1,340 bps | |
| Non-Interest Burden | 4.44% | 3.37% | 2.76% | 2.72% | 2.65% | 3.56% | 2.23% | 1.88% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.27% | 80.30% | 108.78% | 111.50% | 94.53% | 51.45% | 67.60% | 86.19% | -2,531 bps | |
| Loan Growth (YoY) | 3.76% | 18.72% | 30.02% | 50.44% | 45.29% | 58.18% | 60.36% | 76.08% | +2,564 bps | |
| Deposit Growth (YoY) | 6.33% | 87.79% | 101.09% | 116.02% | 113.27% | 48.84% | 83.95% | 94.11% | -2,192 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.08% | 0.05% | 0.00% | 0.03% | 0.09% | 0.05% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.08% | 0.00% | 0.00% | 0.01% | -0.03% | 0.10% | 0.00% | +1 bps | |
| Allowance / Loans | 1.59% | 1.53% | 1.51% | 1.50% | 1.49% | 1.57% | 1.50% | 1.40% | -9 bps | |
| Allowance Coverage of NPLs | 2.3x | 19.0x | 31.8x | 3233.7x | 56.5x | 18.0x | 29.2x | 11.0x | -3222.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.99% | 9.82% | 10.45% | 9.56% | 10.05% | 10.35% | 9.84% | 9.71% | +15 bps | |
| Total Risk-Based Capital | 15.25% | 16.87% | 20.30% | 18.85% | 19.89% | 17.69% | 18.52% | 18.52% | -33 bps | |
| Equity / Assets | 8.17% | 7.72% | 9.49% | 8.86% | 9.76% | 8.96% | 8.63% | 8.94% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.74% | 57.86% | 59.18% | 59.56% | 59.78% | 61.49% | 51.59% | 54.03% | -553 bps | |
| Liquid Assets / Assets | 2.90% | 10.06% | 3.40% | 3.07% | 4.40% | 8.80% | 4.76% | 3.33% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 293% | 342% | 287% | n/a | n/a | |