Miami, FL · Cert 8018 · Coconut Grove Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.3% share · #40 of 86 inst. · $1.2B of $348.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.78% | 0.67% | 0.69% | 0.66% | +19 bps | |
| Return on Equity | 5.19% | 8.37% | 6.90% | 7.15% | 6.77% | +158 bps | |
| Net Interest Margin | 2.34% | 2.46% | 2.55% | 2.52% | 2.53% | +19 bps | |
| Efficiency Ratio | 76.78% | 73.83% | 74.43% | 73.52% | 73.29% | -349 bps | |
| Non-Interest Burden | 1.60% | 1.58% | 1.66% | 1.60% | 1.61% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.42% | 10.31% | 10.76% | 2.95% | -0.45% | -1,787 bps | |
| Loan Growth (YoY) | 28.70% | 27.65% | 17.86% | 11.27% | 11.23% | -1,746 bps | |
| Deposit Growth (YoY) | 29.70% | 20.57% | 20.77% | 4.16% | -0.59% | -3,029 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0 bps | |
| Allowance / Loans | 1.50% | 1.43% | 1.42% | 1.40% | 1.38% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 133.2x | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.55% | 9.93% | 9.82% | 9.89% | 9.96% | +41 bps | |
| Total Risk-Based Capital | 16.12% | 16.60% | 16.64% | 16.87% | 16.47% | +35 bps | |
| Equity / Assets | 9.00% | 9.68% | 9.80% | 9.64% | 9.80% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.14% | 69.00% | 71.28% | 70.40% | 71.77% | +763 bps | |
| Liquid Assets / Assets | 38.36% | 32.96% | 29.84% | 31.55% | 29.48% | -888 bps | |
| CRE / Total Capital | n/a | 351% | 341% | 332% | n/a | n/a | |