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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 $0.0BQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $18.9B35%Noninterest $10.1BQ3 2024Q2 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

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

Executive Summary

  • Earnings: ROA of 0.89%, down 2 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 1.69% of loans (-69 bps YoY), with net charge-offs at 0.11%.
  • 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.

Return on Assets (quarter, annualized)

0.89%-2 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+6 bps YoY

Efficiency Ratio (quarter, annualized)

58.45%+224 bps YoY

Tier 1 Leverage Ratio

9.43%+15 bps YoY

NIM

5.41%Q2 ’245.12%Q2 ’254.84%Q2 ’26+9%+2%

Non-interest income vs. expense

1.73%Q2 ’241.79%Q2 ’251.90%Q2 ’26+1%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.90%0.79%0.91%0.96%0.91%0.83%0.89%-2 bps
Return on Equity9.20%9.89%8.59%10.14%10.71%9.99%9.24%9.85%-29 bps
Net Interest Margin2.73%2.79%2.76%2.89%2.94%2.97%2.88%2.95%+6 bps
Efficiency Ratio59.74%56.74%59.00%56.21%56.59%56.21%56.96%58.45%+224 bps
Non-Interest Burden1.53%1.46%1.53%1.49%1.54%1.53%1.54%1.60%+11 bps
Growth
Asset Growth (YoY)1.18%-1.44%-0.73%0.11%-1.94%-0.51%1.52%-1.63%-174 bps
Loan Growth (YoY)0.12%-1.36%-0.98%-2.74%-2.84%-0.10%0.76%-0.09%+265 bps
Deposit Growth (YoY)6.66%5.03%4.43%4.29%2.43%5.11%3.66%-0.51%-480 bps
Asset Quality
Nonperforming Loans / Loans1.86%1.96%2.12%2.38%2.29%2.19%1.95%1.69%-69 bps
Net Charge-Offs / Loans0.11%0.29%0.32%0.21%0.25%0.41%0.60%0.11%-11 bps
Allowance / Loans0.94%0.92%0.92%0.93%0.93%0.91%0.86%0.91%-2 bps
Allowance Coverage of NPLs0.5x0.5x0.4x0.4x0.4x0.4x0.4x0.5x+0.1x
Capital
Tier 1 Leverage Ratio9.59%9.67%9.53%9.28%9.46%9.27%9.41%9.43%+15 bps
Total Risk-Based Capital14.55%14.59%14.32%13.86%14.10%13.61%13.73%13.90%+3 bps
Equity / Assets9.11%9.18%9.19%8.85%9.12%9.04%9.03%9.13%+28 bps
Liquidity & Funding
Loans / Deposits86.54%86.25%84.11%81.92%82.08%81.97%81.76%82.27%+35 bps
Liquid Assets / Assets2.48%1.36%1.24%2.22%1.56%0.59%1.05%1.02%-120 bps
CRE / Total Capitaln/an/an/an/a245%260%258%n/an/a