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Bankmiami

Coral Gables, FL · Cert 59354

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets (n=581 to 629). 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

76

Q1 2025Q2 2026peer median (50)

Asset Quality

100

Q2 2025Q2 2026peer median (50)

Profitability

6

Q1 2025Q2 2026peer median (50)

Liquidity

0

Q1 2025Q2 2026peer median

Efficiency

4

Q1 2025Q2 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

Bankmiami

Coral Gables, FL · Cert 59354

State charter, non-member · FDIC · 1 branch

Q2 2026

$317.9MAssets
$99.4MLoans
$280.8MDeposits
$34.9MEquity
Loan mix
87%RE $67.1M13%C&I $9.7M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $238.4M15%Noninterest $42.5MQ2 2025Q2 2026

NIM

0.63%Q1 ’252.39%Q2 ’253.94%Q2 ’26+210%+12%

Non-interest income vs. expense

11.83%Q1 ’259.36%Q2 ’252.80%Q2 ’26-21%-71%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #54 of 86 inst. · $0.3B of $348.8B

Executive Summary

  • Earnings: ROA of -0.71%, up 327 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.43%, down 5,706 bps from a year ago.
  • Funding: loans stand at 35.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.71%+327 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+22 bps YoY

Efficiency Ratio (YTD, annualized)

125.26%-34,753 bps YoY

Tier 1 Leverage Ratio

11.43%-5,706 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.97%-2.24%-1.70%-0.82%-0.71%+327 bps
Return on Equity-8.65%-8.69%-8.76%-5.35%-5.22%+343 bps
Net Interest Margin1.94%1.55%1.40%2.53%2.17%+22 bps
Efficiency Ratio473%312%245%136.42%125.26%-34,753 bps
Non-Interest Burden9.30%4.86%3.43%3.49%2.72%-658 bps
Growth
Asset Growth (YoY)n/an/an/a590%294%n/a
Loan Growth (YoY)n/an/an/an/a664%n/an/a
Deposit Growth (YoY)n/an/an/a9041%547%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.00%1.00%1.00%0.90%0.90%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio68.49%32.44%20.94%15.59%11.43%-5,706 bps
Total Risk-Based Capital141.02%78.39%42.55%37.13%29.73%-11,129 bps
Equity / Assets45.92%25.76%19.44%12.63%10.99%-3,493 bps
Liquidity & Funding
Loans / Deposits29.98%34.88%46.51%31.74%35.39%+541 bps
Liquid Assets / Assets62.14%56.41%57.65%66.92%62.66%+52 bps
CRE / Total Capitaln/a54.61%102.74%131.74%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

Bankmiami

Coral Gables, FL · Cert 59354 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$317.9MAssets
$99.4MLoans
$280.8MDeposits
$34.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets (rank 602 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.58%

Rank 594 of 629

Net Interest Margin

2.17%

Rank 593 of 629

Efficiency Ratio

125.26%

Rank 602 of 629

Equity / Assets

10.99%

Rank 288 of 629

Non-interest income vs. expense

$0.2M$8.3MINCOMEEXPENSE
Unfavorable gap of $8.0M · efficiency ratio beats 4% of banks under $1B in assets
Bank 125.26%Peer median 67.8%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.58%0.60%1.01%1.45%Beats 6%594 / 629
Return on Equity-5.27%5.38%9.30%13.28%Beats 5%598 / 629
Net Interest Margin2.17%3.03%3.54%4.05%Beats 6%593 / 629
Efficiency Ratio125.26%58.35%67.79%79.08%Beats 4%602 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio28.79%11.24%13.84%18.77%Beats 86%85 / 629
Total Risk-Based Capital Ratio29.73%11.58%14.43%19.66%Beats 87%84 / 629
Equity / Assets10.99%9.09%10.65%13.80%Beats 54%288 / 629
Liquidity & Funding
Loans / Deposits35.39%67.24%80.90%93.48%5th pctl565 / 594
Loans / Assets31.27%53.31%67.71%78.15%12th pctl556 / 629
Brokered Deposits / Depositsn/aNot reported for this institution