Miami, FL · Cert 57815
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 1.2% share · #16 of 86 inst. · $4.3B 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 | 1.40% | 0.88% | 1.15% | 1.21% | 1.06% | 1.09% | 1.28% | 1.64% | +42 bps | |
| Return on Equity | 11.91% | 7.38% | 9.94% | 11.06% | 10.02% | 10.24% | 12.17% | 15.67% | +461 bps | |
| Net Interest Margin | 3.06% | 2.99% | 3.05% | 3.17% | 3.09% | 3.15% | 3.27% | 3.48% | +30 bps | |
| Efficiency Ratio | 55.94% | 57.39% | 58.71% | 54.79% | 54.42% | 59.02% | 55.44% | 52.47% | -232 bps | |
| Non-Interest Burden | 1.43% | 1.42% | 1.57% | 1.51% | 1.47% | 1.65% | 1.51% | 1.41% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.06% | 15.86% | 20.31% | 25.08% | 26.72% | 24.28% | 21.63% | 14.69% | -1,039 bps | |
| Loan Growth (YoY) | 13.29% | 15.08% | 12.21% | 16.28% | 17.52% | 17.06% | 20.92% | 8.37% | -791 bps | |
| Deposit Growth (YoY) | 18.98% | 19.22% | 15.78% | 12.94% | 24.30% | 22.16% | 21.27% | 30.85% | +1,791 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.37% | 0.84% | 0.73% | 1.15% | 0.55% | 0.53% | 0.49% | -24 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.33% | 0.00% | 0.00% | 0.00% | 0.09% | 0.04% | 0.17% | +17 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.83% | 12.93% | 12.63% | 12.00% | 11.55% | 11.30% | 11.34% | 11.46% | -54 bps | |
| Total Risk-Based Capital | 12.83% | 12.93% | 12.63% | 12.00% | 11.55% | 11.30% | 11.34% | 11.46% | -54 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.93% | 109.64% | 105.67% | 111.90% | 103.93% | 105.06% | 105.37% | 92.67% | -1,923 bps | |
| Liquid Assets / Assets | 4.39% | 4.16% | 3.71% | 3.32% | 3.07% | 2.97% | 2.78% | 2.63% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |