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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 $0.0MQ1 2025Q2 2026
Deposit mix
85%Interest-bearing $238.4M15%Noninterest $42.5MQ1 2025Q2 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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-8.41%-3.97%-2.24%-1.70%-0.82%-0.71%+327 bps
Return on Equity-9.01%-8.65%-8.69%-8.76%-5.35%-5.22%+343 bps
Net Interest Margin0.63%1.94%1.55%1.40%2.53%2.17%+22 bps
Efficiency Ratio1900%473%312%245%136.42%125.26%-34,753 bps
Non-Interest Burden11.83%9.30%4.86%3.43%3.49%2.72%-658 bps
Growth
Asset Growth (YoY)n/an/an/an/a590%294%n/a
Loan Growth (YoY)n/an/an/an/an/a664%n/an/a
Deposit Growth (YoY)n/an/an/an/a9041%547%n/a
Asset Quality
Nonperforming Loans / Loansn/a0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/a1.00%1.00%1.00%0.90%0.90%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio96.40%68.49%32.44%20.94%15.59%11.43%-5,706 bps
Total Risk-Based Capital433%141.02%78.39%42.55%37.13%29.73%-11,129 bps
Equity / Assets93.38%45.92%25.76%19.44%12.63%10.99%-3,493 bps
Liquidity & Funding
Loans / Deposits0.00%29.98%34.88%46.51%31.74%35.39%+541 bps
Liquid Assets / Assets27.15%62.14%56.41%57.65%66.92%62.66%+52 bps
CRE / Total Capitaln/an/a54.61%102.74%131.74%n/an/a