Miami, FL · Cert 31823
State savings bank · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
68
Profitability
21
Liquidity
95
Efficiency
17
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Miami, FL · Cert 31823
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #52 of 86 inst. · $0.3B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.82% | 0.63% | 0.72% | 0.77% | 0.70% | 0.55% | 0.55% | -17 bps | |
| Return on Equity | 5.95% | 6.11% | 4.63% | 5.34% | 5.83% | 5.43% | 4.80% | 4.84% | -50 bps | |
| Net Interest Margin | 4.19% | 4.20% | 4.38% | 4.27% | 4.21% | 3.90% | 3.46% | 3.34% | -93 bps | |
| Efficiency Ratio | 78.65% | 79.49% | 81.47% | 78.45% | 80.15% | 80.00% | 80.49% | 80.36% | +191 bps | |
| Non-Interest Burden | 3.24% | 3.28% | 3.52% | 3.30% | 3.32% | 3.06% | 2.71% | 2.62% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | 6.88% | 2.00% | 6.63% | 13.75% | 20.26% | 25.39% | 24.38% | +1,775 bps | |
| Loan Growth (YoY) | 21.01% | 13.83% | 9.79% | 5.80% | 2.43% | 3.67% | 2.03% | 3.72% | -208 bps | |
| Deposit Growth (YoY) | -0.16% | 2.20% | 1.19% | 4.59% | 15.15% | 22.57% | 29.01% | 29.04% | +2,445 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.44% | 1.19% | 1.20% | 0.98% | 0.35% | 0.35% | 0.77% | 0.73% | -25 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.04% | 0.00% | -0.07% | -0.05% | -0.06% | -0.04% | -0.03% | +4 bps | |
| Allowance / Loans | 2.39% | 2.17% | 2.13% | 2.14% | 2.04% | 2.06% | 2.03% | 1.97% | -18 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.8x | 1.8x | 2.2x | 5.9x | 5.9x | 2.6x | 2.7x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.37% | 13.65% | 13.86% | 13.43% | 12.96% | 12.14% | 11.67% | 11.21% | -222 bps | |
| Total Risk-Based Capital | 19.84% | 20.05% | 20.96% | 20.25% | 20.16% | 19.87% | 19.76% | 19.14% | -110 bps | |
| Equity / Assets | 13.46% | 13.56% | 13.65% | 12.98% | 12.45% | 11.77% | 11.37% | 10.86% | -212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.73% | 99.96% | 98.59% | 95.08% | 86.94% | 84.55% | 77.97% | 76.43% | -1,866 bps | |
| Liquid Assets / Assets | 15.87% | 16.42% | 15.01% | 18.98% | 23.86% | 27.73% | 30.69% | 32.35% | +1,337 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 330% | 333% | n/a | n/a | |
Miami, FL · Cert 31823 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets
0.52%
Rank 629 of 746
Net Interest Margin
3.34%
Rank 512 of 746
Efficiency Ratio
80.36%
Rank 621 of 746
Equity / Assets
10.86%
Rank 335 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.72% | 1.06% | 1.45% | Beats 16% | 629 / 746 | ||
| Return on Equity | 4.78% | 6.74% | 10.51% | 13.63% | Beats 17% | 621 / 746 | ||
| Net Interest Margin | 3.34% | 3.17% | 3.68% | 4.16% | Beats 31% | 512 / 746 | ||
| Efficiency Ratio | 80.36% | 55.74% | 64.58% | 75.47% | Beats 17% | 621 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.07% | Beats 36% | 481 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.88% | 11.55% | 13.75% | 17.60% | Beats 76% | 179 / 746 | ||
| Total Risk-Based Capital Ratio | 19.14% | 11.71% | 14.33% | 18.43% | Beats 78% | 164 / 746 | ||
| Equity / Assets | 10.86% | 8.90% | 10.51% | 13.06% | Beats 55% | 335 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.43% | 61.31% | 78.27% | 90.78% | 47th pctl | 399 / 746 | ||
| Loans / Assets | 65.89% | 53.60% | 66.97% | 76.08% | 47th pctl | 395 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||