Miami Lakes, FL · Cert 58979 · Bankunited Inc.
National charter · OCC · 57 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 5.6% share · #7 of 86 inst. · $19.5B of $348.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.89% | 0.89% | 0.83% | 0.87% | +2 bps | |
| Return on Equity | 9.37% | 9.78% | 9.84% | 9.24% | 9.55% | +18 bps | |
| Net Interest Margin | 2.82% | 2.87% | 2.88% | 2.88% | 2.92% | +10 bps | |
| Efficiency Ratio | 57.56% | 57.23% | 56.96% | 56.96% | 57.73% | +17 bps | |
| Non-Interest Burden | 1.51% | 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 / Loans | 2.38% | 2.29% | 2.19% | 1.95% | 1.69% | -69 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.26% | 0.30% | 0.60% | 0.36% | +9 bps | |
| Allowance / Loans | 0.93% | 0.93% | 0.91% | 0.86% | 0.91% | -2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.28% | 9.46% | 9.27% | 9.41% | 9.43% | +15 bps | |
| Total Risk-Based Capital | 13.86% | 14.10% | 13.61% | 13.73% | 13.90% | +3 bps | |
| Equity / Assets | 8.85% | 9.12% | 9.04% | 9.03% | 9.13% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.92% | 82.08% | 81.97% | 81.76% | 82.27% | +35 bps | |
| Liquid Assets / Assets | 2.22% | 1.56% | 0.59% | 1.05% | 1.02% | -120 bps | |
| CRE / Total Capital | n/a | 245% | 260% | 258% | n/a | n/a | |