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Banco Do Brasil Americas

Miami, FL · Cert 26725 · Banco Do Brasil Sa

State charter, non-member · FDIC · 4 branches

Q2 2026

$3.5BAssets
$2.2BLoans
$3.1BDeposits
$373.3MEquity
Loan mix
92%RE $1.9B3%C&I $0.1B5%Consumer $0.1BQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $2.2B30%Noninterest $0.9BQ3 2024Q2 2026

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.8% share · #24 of 86 inst. · $2.9B of $348.8B

1.3% Miami-Dade
0.5% Orange
0.1% Broward

Executive Summary

  • Earnings: ROA of 1.57%, down 7 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.83% of loans (+46 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.90%, up 33 bps from a year ago.
  • Funding: loans stand at 70.85% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.57%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.65%-8 bps YoY

Efficiency Ratio (YTD, annualized)

49.94%+553 bps YoY

Tier 1 Leverage Ratio

10.90%+33 bps YoY

NIM

5.30%Q2 ’245.37%Q2 ’255.32%Q2 ’260%-2%

Non-interest income vs. expense

1.77%Q2 ’241.84%Q2 ’252.05%Q2 ’26+5%+13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.66%1.58%1.64%1.66%1.63%1.57%1.57%-7 bps
Return on Equity18.11%17.41%15.36%15.88%15.95%15.51%14.45%14.52%-136 bps
Net Interest Margin3.74%3.69%3.75%3.72%3.69%3.74%3.73%3.65%-8 bps
Efficiency Ratio42.99%44.97%46.01%44.41%44.49%46.88%48.44%49.94%+553 bps
Non-Interest Burden1.34%1.40%1.48%1.40%1.38%1.49%1.53%1.58%+18 bps
Growth
Asset Growth (YoY)3.87%1.32%6.16%10.53%12.86%13.23%11.81%11.17%+64 bps
Loan Growth (YoY)31.99%33.23%35.78%30.68%28.20%21.19%19.03%16.72%-1,396 bps
Deposit Growth (YoY)1.47%-0.23%5.31%9.45%11.69%12.46%10.61%10.86%+140 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.40%0.48%0.37%0.84%0.76%0.86%0.83%+46 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.00%0.01%0.01%0.02%+2 bps
Allowance / Loans1.47%1.36%1.34%1.34%1.36%1.35%1.34%1.31%-3 bps
Allowance Coverage of NPLs4.7x3.4x2.8x3.6x1.6x1.8x1.6x1.6x-2.0x
Capital
Tier 1 Leverage Ratio10.25%10.58%10.61%10.57%10.62%11.01%10.95%10.90%+33 bps
Total Risk-Based Capital25.32%25.75%25.42%24.71%23.85%24.85%24.46%24.56%-16 bps
Equity / Assets10.25%10.30%10.26%10.44%10.62%11.04%10.73%10.75%+31 bps
Liquidity & Funding
Loans / Deposits60.22%65.04%65.03%67.29%69.12%70.09%69.98%70.85%+356 bps
Liquid Assets / Assets9.05%8.07%9.89%10.12%9.07%8.26%7.83%6.68%-345 bps
CRE / Total Capitaln/an/an/an/a110.91%108.27%119.65%n/an/a