Miami, FL · Cert 32718
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.3% share · #41 of 86 inst. · $1.1B of $348.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.60% | 0.86% | 1.01% | 1.06% | 0.95% | 1.11% | 1.07% | +6 bps | |
| Return on Equity | 5.42% | 6.51% | 9.67% | 11.12% | 11.42% | 10.15% | 11.94% | 11.61% | +48 bps | |
| Net Interest Margin | 3.61% | 3.63% | 3.68% | 3.74% | 3.72% | 3.85% | 3.85% | 3.83% | +10 bps | |
| Efficiency Ratio | 70.19% | 70.57% | 73.80% | 70.19% | 67.09% | 70.06% | 67.45% | 68.96% | -123 bps | |
| Non-Interest Burden | 2.38% | 2.40% | 2.59% | 2.47% | 2.34% | 2.56% | 2.46% | 2.51% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | -4.44% | 2.03% | 5.44% | 12.39% | 12.62% | 9.21% | 9.51% | +408 bps | |
| Loan Growth (YoY) | 16.83% | 12.32% | 8.95% | 8.85% | 8.10% | 6.69% | 6.43% | 7.32% | -153 bps | |
| Deposit Growth (YoY) | -5.06% | -5.59% | 0.66% | 5.24% | 12.82% | 12.48% | 9.28% | 9.73% | +449 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.01% | 1.57% | 1.45% | 1.53% | 1.65% | 1.62% | 1.42% | 1.65% | +11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | -0.02% | 0.00% | 0.00% | 0.10% | -0.06% | 0.05% | +5 bps | |
| Allowance / Loans | 1.72% | 1.79% | 1.79% | 1.74% | 1.71% | 1.69% | 1.70% | 1.63% | -11 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.1x | 1.2x | 1.1x | 1.0x | 1.0x | 1.2x | 1.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.50% | 11.88% | 11.70% | 11.75% | 11.60% | 11.12% | 11.25% | 11.18% | -57 bps | |
| Total Risk-Based Capital | 31.34% | 31.62% | 32.00% | 31.60% | 30.95% | 30.41% | 30.78% | 30.53% | -107 bps | |
| Equity / Assets | 9.58% | 8.83% | 9.00% | 9.17% | 9.35% | 9.34% | 9.22% | 9.23% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.03% | 66.37% | 63.31% | 63.79% | 63.27% | 62.96% | 61.66% | 62.38% | -140 bps | |
| Liquid Assets / Assets | 1.03% | 5.06% | 9.83% | 9.13% | 8.44% | 4.96% | 7.87% | 7.95% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 10.03% | 9.33% | 9.75% | n/a | n/a | |