Banesco USA
Miami, FL · Cert 57815 · Peer group: banks $1B-$10B in assets (n=313-319)
State charter, non-member · FDIC · 6 branches
Q2 2026
$6.0BAssets
$4.0BLoans
$4.3BDeposits
$626.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks $1B-$10B in assets (rank 102 of 319).
- Widest gap: total risk-based capital ratio trails 87% of banks $1B-$10B in assets (rank 277 of 319).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.41%
Rank 104 of 319
Net Interest Margin
3.33%
Rank 190 of 319
Efficiency Ratio
53.87%
Rank 102 of 319
Equity / Assets
10.47%
Rank 156 of 319
Non-interest income vs. expense
Unfavorable gap of $83.4M · efficiency ratio beats 68% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.91% | 1.21% | 1.53% | Beats 67% | 104 / 319 | |
| Return on Equity | 13.45% | 8.49% | 11.44% | 14.57% | Beats 67% | 106 / 319 | |
| Net Interest Margin | 3.33% | 3.06% | 3.43% | 3.81% | Beats 40% | 190 / 319 | |
| Efficiency Ratio | 53.87% | 51.90% | 59.57% | 67.64% | Beats 68% | 102 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.25% | 0.54% | 1.18% | Beats 53% | 147 / 313 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.12% | Beats 41% | 187 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 11.46% | 11.74% | 12.99% | 15.28% | Beats 22% | 249 / 319 | |
| Total Risk-Based Capital Ratio | 11.46% | 12.61% | 14.01% | 16.23% | Beats 13% | 277 / 319 | |
| Equity / Assets | 10.47% | 9.03% | 10.33% | 12.01% | Beats 51% | 156 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 92.67% | 76.76% | 88.16% | 95.43% | 67th pctl | 104 / 314 | |
| Loans / Assets | 66.27% | 65.79% | 74.05% | 79.84% | 26th pctl | 237 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |