Miami, FL · Cert 26299
National charter · OCC · 8 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.4% share · #37 of 86 inst. · $1.3B 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 | 0.89% | 0.96% | 1.01% | 1.12% | 1.15% | +26 bps | |
| Return on Equity | 7.80% | 8.56% | 9.03% | 10.18% | 10.52% | +271 bps | |
| Net Interest Margin | 3.25% | 3.10% | 3.12% | 3.27% | 3.16% | -9 bps | |
| Efficiency Ratio | 59.60% | 58.79% | 58.48% | 56.85% | 55.31% | -429 bps | |
| Non-Interest Burden | 1.89% | 1.77% | 1.76% | 1.75% | 1.63% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.23% | 13.23% | 13.04% | 13.36% | 17.32% | +708 bps | |
| Loan Growth (YoY) | 2.16% | 3.35% | 8.25% | 7.97% | 11.27% | +911 bps | |
| Deposit Growth (YoY) | 11.63% | 17.05% | 13.22% | 12.03% | 19.13% | +750 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.11% | 0.05% | +5 bps | |
| Allowance / Loans | 0.80% | 0.78% | 0.73% | 0.67% | 0.68% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 32.9x | 46.1x | 47.8x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.60% | 11.12% | 11.22% | 11.23% | 10.80% | -80 bps | |
| Total Risk-Based Capital | 16.19% | 16.20% | 16.12% | 16.03% | 15.94% | -25 bps | |
| Equity / Assets | 11.26% | 10.87% | 11.05% | 11.01% | 10.67% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.67% | 73.97% | 76.73% | 77.17% | 73.48% | -519 bps | |
| Liquid Assets / Assets | 8.92% | 10.88% | 6.82% | 6.49% | 9.06% | +14 bps | |
| CRE / Total Capital | n/a | 407% | 412% | 413% | n/a | n/a | |