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Bankunited, National Association

Miami Lakes, FL · Cert 58979 · Bankunited Inc.

National charter · OCC · 57 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

19

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankunited, National Association

Miami Lakes, FL · Cert 58979 · Bankunited Inc.

National charter · OCC · 57 branches

Q2 2026

$34.9BAssets
$23.9BLoans
$29.1BDeposits
$3.2BEquity
Loan mix
76%RE $15.5B24%C&I $4.8B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $18.9B35%Noninterest $10.1BQ2 2025Q2 2026

NIM

5.40%Q2 ’245.06%Q2 ’254.81%Q2 ’26+9%+4%

Non-interest income vs. expense

1.72%Q2 ’241.77%Q2 ’251.83%Q2 ’26+4%+4%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 5.6% share · #7 of 86 inst. · $19.5B of $348.8B

8.1% Miami-Dade
0.3% New York
3.4% Suffolk
2.4% Broward

Executive Summary

  • Earnings: ROA of 0.87%, up 2 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 1.69% of loans (-69 bps YoY), with net charge-offs at 0.36%.
  • Capital: tier 1 leverage ratio of 9.43%, up 15 bps from a year ago.
  • Funding: loans stand at 82.27% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+10 bps YoY

Efficiency Ratio (YTD, annualized)

57.73%+17 bps YoY

Tier 1 Leverage Ratio

9.43%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.89%0.89%0.83%0.87%+2 bps
Return on Equity9.37%9.78%9.84%9.24%9.55%+18 bps
Net Interest Margin2.82%2.87%2.88%2.88%2.92%+10 bps
Efficiency Ratio57.56%57.23%56.96%56.96%57.73%+17 bps
Non-Interest Burden1.51%1.53%1.52%1.54%1.57%+6 bps
Growth
Asset Growth (YoY)0.11%-1.94%-0.51%1.52%-1.63%-174 bps
Loan Growth (YoY)-2.74%-2.84%-0.10%0.76%-0.09%+265 bps
Deposit Growth (YoY)4.29%2.43%5.11%3.66%-0.51%-480 bps
Asset Quality
Nonperforming Loans / Loans2.38%2.29%2.19%1.95%1.69%-69 bps
Net Charge-Offs / Loans0.27%0.26%0.30%0.60%0.36%+9 bps
Allowance / Loans0.93%0.93%0.91%0.86%0.91%-2 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.4x0.5x+0.1x
Capital
Tier 1 Leverage Ratio9.28%9.46%9.27%9.41%9.43%+15 bps
Total Risk-Based Capital13.86%14.10%13.61%13.73%13.90%+3 bps
Equity / Assets8.85%9.12%9.04%9.03%9.13%+28 bps
Liquidity & Funding
Loans / Deposits81.92%82.08%81.97%81.76%82.27%+35 bps
Liquid Assets / Assets2.22%1.56%0.59%1.05%1.02%-120 bps
CRE / Total Capitaln/a245%260%258%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankunited, National Association

Miami Lakes, FL · Cert 58979 · Peer group: banks over $10B in assets (n=142-144) · Bankunited Inc.

National charter · OCC · 57 branches

Q2 2026

$34.9BAssets
$23.9BLoans
$29.1BDeposits
$3.2BEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 53% of banks over $10B in assets (rank 68 of 144).
  • Widest gap: nonperforming loans / loans trails 91% of banks over $10B in assets (rank 130 of 142).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.87%

Rank 125 of 144

Net Interest Margin

2.92%

Rank 102 of 144

Efficiency Ratio

57.73%

Rank 85 of 144

Equity / Assets

9.13%

Rank 115 of 144

Non-interest income vs. expense

$91.0M$645.7MINCOMEEXPENSE
Unfavorable gap of $554.7M · efficiency ratio beats 42% of banks over $10B in assets
Bank 57.73%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%1.00%1.26%1.54%Beats 13%125 / 144
Return on Equity9.55%8.98%11.34%14.40%Beats 33%96 / 144
Net Interest Margin2.92%2.82%3.31%3.68%Beats 29%102 / 144
Efficiency Ratio57.73%49.42%56.02%62.41%Beats 42%85 / 144
Asset Quality
Nonperforming Loans / Loans1.69%0.48%0.73%1.07%Beats 9%130 / 142
Net Charge-Offs / Loans0.20%0.05%0.11%0.22%Beats 29%102 / 142
Capital
Tier 1 Capital Ratio13.01%12.07%12.98%14.92%Beats 53%68 / 144
Total Risk-Based Capital Ratio13.90%13.39%14.14%16.25%Beats 39%88 / 144
Equity / Assets9.13%9.69%11.39%12.96%Beats 20%115 / 144
Liquidity & Funding
Loans / Deposits82.27%75.72%84.92%91.56%40th pctl86 / 143
Loans / Assets68.64%59.83%69.07%74.80%45th pctl79 / 144
Brokered Deposits / Depositsn/aNot reported for this institution