Miami, FL · Cert 26442
National charter · OCC · 5 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.2% share · #45 of 86 inst. · $0.8B 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 | 0.46% | 0.52% | 0.80% | 0.81% | 0.84% | 0.94% | 0.67% | 0.71% | -10 bps | |
| Return on Equity | 6.94% | 7.81% | 10.51% | 10.30% | 10.39% | 11.33% | 7.61% | 8.11% | -219 bps | |
| Net Interest Margin | 2.57% | 2.64% | 3.16% | 3.10% | 3.14% | 3.18% | 3.32% | 3.36% | +26 bps | |
| Efficiency Ratio | 79.61% | 77.34% | 71.55% | 70.20% | 69.41% | 67.59% | 73.96% | 73.44% | +324 bps | |
| Non-Interest Burden | 1.91% | 1.89% | 2.04% | 1.95% | 1.95% | 1.90% | 2.24% | 2.27% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.55% | 3.43% | 5.98% | 3.55% | 2.80% | 8.29% | 5.93% | 10.59% | +704 bps | |
| Loan Growth (YoY) | 9.13% | 2.88% | -0.62% | -0.03% | 2.76% | 8.21% | 11.36% | 16.11% | +1,614 bps | |
| Deposit Growth (YoY) | 8.61% | 6.57% | 8.10% | 4.30% | 2.72% | 6.39% | 1.58% | 7.37% | +307 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 1.01% | 0.09% | 0.03% | 0.03% | 0.03% | 0.03% | 0.11% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.37% | 1.40% | 1.37% | 1.38% | 1.35% | 1.38% | 1.35% | -2 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.4x | 14.8x | 39.4x | 40.5x | 40.2x | 43.4x | 12.7x | -26.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.57% | 9.04% | 9.58% | 9.68% | 9.72% | 9.86% | 9.86% | 9.82% | +15 bps | |
| Total Risk-Based Capital | 15.67% | 16.56% | 17.26% | 17.22% | 17.05% | 16.95% | 16.61% | 16.03% | -118 bps | |
| Equity / Assets | 7.06% | 7.31% | 7.84% | 8.47% | 8.73% | 8.88% | 8.80% | 8.71% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.79% | 72.28% | 68.41% | 70.72% | 71.82% | 73.53% | 74.99% | 76.48% | +576 bps | |
| Liquid Assets / Assets | 4.12% | 3.91% | 8.92% | 7.61% | 8.61% | 7.29% | 6.18% | 7.54% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 387% | 406% | 402% | n/a | n/a | |