Coral Gables, FL · Cert 59354
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #54 of 86 inst. · $0.3B 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 | -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 Margin | 1.94% | 1.55% | 1.40% | 2.53% | 2.17% | +22 bps | |
| Efficiency Ratio | 473% | 312% | 245% | 136.42% | 125.26% | -34,753 bps | |
| Non-Interest Burden | 9.30% | 4.86% | 3.43% | 3.49% | 2.72% | -658 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 590% | 294% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 664% | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | 9041% | 547% | n/a | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 0.90% | 0.90% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 68.49% | 32.44% | 20.94% | 15.59% | 11.43% | -5,706 bps | |
| Total Risk-Based Capital | 141.02% | 78.39% | 42.55% | 37.13% | 29.73% | -11,129 bps | |
| Equity / Assets | 45.92% | 25.76% | 19.44% | 12.63% | 10.99% | -3,493 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.98% | 34.88% | 46.51% | 31.74% | 35.39% | +541 bps | |
| Liquid Assets / Assets | 62.14% | 56.41% | 57.65% | 66.92% | 62.66% | +52 bps | |
| CRE / Total Capital | n/a | 54.61% | 102.74% | 131.74% | n/a | n/a | |