Terrabank, National Association
Miami, FL · Cert 26442 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
National charter · OCC · 5 branches
Q2 2026
$897.7MAssets
$605.2MLoans
$791.4MDeposits
$78.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets operating in a single state (rank 196 of 743).
- Widest gap: equity / assets trails 78% of banks under $1B in assets operating in a single state (rank 582 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.69%
Rank 571 of 746
Net Interest Margin
3.36%
Rank 504 of 746
Efficiency Ratio
73.44%
Rank 535 of 746
Equity / Assets
8.71%
Rank 582 of 746
Non-interest income vs. expense
Unfavorable gap of $19.9M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.72% | 1.06% | 1.45% | Beats 23% | 571 / 746 | | |
| Return on Equity | 7.97% | 6.74% | 10.51% | 13.63% | Beats 33% | 499 / 746 | | |
| Net Interest Margin | 3.36% | 3.17% | 3.68% | 4.16% | Beats 32% | 504 / 746 | | |
| Efficiency Ratio | 73.44% | 55.74% | 64.58% | 75.47% | Beats 28% | 535 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.09% | 0.42% | 1.07% | Beats 74% | 196 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 66% | 255 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.78% | 11.55% | 13.75% | 17.60% | Beats 59% | 306 / 746 | | |
| Total Risk-Based Capital Ratio | 16.03% | 11.71% | 14.33% | 18.43% | Beats 64% | 272 / 746 | | |
| Equity / Assets | 8.71% | 8.90% | 10.51% | 13.06% | Beats 22% | 582 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.48% | 61.31% | 78.27% | 90.78% | 47th pctl | 397 / 746 | | |
| Loans / Assets | 67.42% | 53.60% | 66.97% | 76.08% | 51st pctl | 363 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |