Banesco USA
Miami, FL · Cert 57815 · Peer group: banks $1B-$10B in assets (n=322-328)
State charter, non-member · FDIC · 6 branches
Q2 2026
$6.0BAssets
$4.0BLoans
$4.3BDeposits
$626.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 68% of banks $1B-$10B in assets (rank 106 of 328).
- Widest gap: total risk-based capital ratio trails 86% of banks $1B-$10B in assets (rank 282 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.41%
Rank 106 of 328
Net Interest Margin
3.33%
Rank 193 of 328
Efficiency Ratio
53.87%
Rank 110 of 328
Equity / Assets
10.47%
Rank 160 of 328
Non-interest income vs. expense
Unfavorable gap of $83.4M · efficiency ratio beats 67% 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% | 1.22% | 1.52% | Beats 68% | 106 / 328 | |
| Return on Equity | 13.45% | 8.43% | 11.45% | 14.43% | Beats 68% | 105 / 328 | |
| Net Interest Margin | 3.33% | 3.03% | 3.45% | 3.83% | Beats 41% | 193 / 328 | |
| Efficiency Ratio | 53.87% | 51.61% | 59.56% | 67.53% | Beats 67% | 110 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.24% | 0.51% | 1.03% | Beats 52% | 157 / 322 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 38% | 201 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.46% | 11.75% | 13.15% | 15.47% | Beats 22% | 256 / 328 | |
| Total Risk-Based Capital Ratio | 11.46% | 12.63% | 14.15% | 16.46% | Beats 14% | 282 / 328 | |
| Equity / Assets | 10.47% | 9.15% | 10.33% | 12.01% | Beats 51% | 160 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 92.67% | 76.63% | 87.92% | 95.36% | 67th pctl | 105 / 323 | |
| Loans / Assets | 66.27% | 65.18% | 74.15% | 79.98% | 27th pctl | 240 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |