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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.65% | -1.23% | -0.82% | -0.61% | -0.53% | -0.80% | -0.47% | -0.49% | +13 bps | |
| Return on Equity | -20.75% | -15.64% | -9.52% | -7.01% | -5.90% | -8.93% | -5.38% | -5.49% | +153 bps | |
| Net Interest Margin | 2.11% | 1.64% | 1.99% | 2.01% | 2.01% | 1.93% | 1.81% | 1.57% | -44 bps | |
| Efficiency Ratio | 162.13% | 160.75% | 137.70% | 130.80% | 126.32% | 138.20% | 123.36% | 116.89% | -1,391 bps | |
| Non-Interest Burden | 3.51% | 2.69% | 2.76% | 2.64% | 2.55% | 2.66% | 2.23% | 1.84% | -80 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% | 0.02% | 0.00% | 0.00% | 0.00% | -0.01% | 0.10% | 0.04% | +4 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 | |