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 | |