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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.18% | 0.36% | 0.42% | 0.55% | 0.58% | 0.69% | 0.68% | +26 bps | |
| Return on Equity | 0.91% | 1.77% | 3.72% | 4.46% | 5.78% | 6.07% | 7.15% | 6.96% | +250 bps | |
| Net Interest Margin | 1.85% | 1.92% | 2.14% | 2.22% | 2.32% | 2.33% | 2.52% | 2.51% | +30 bps | |
| Efficiency Ratio | 97.85% | 93.73% | 81.18% | 78.88% | 77.10% | 76.37% | 73.52% | 73.40% | -547 bps | |
| Non-Interest Burden | 1.80% | 1.75% | 1.59% | 1.58% | 1.59% | 1.58% | 1.60% | 1.60% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.65% | 17.17% | 20.38% | 17.42% | 10.31% | 10.76% | 2.95% | -0.45% | -1,787 bps | |
| Loan Growth (YoY) | 44.70% | 37.41% | 37.41% | 28.70% | 27.65% | 17.86% | 11.27% | 11.23% | -1,746 bps | |
| Deposit Growth (YoY) | 13.12% | 19.53% | 29.98% | 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% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 1.73% | 1.53% | 1.50% | 1.50% | 1.43% | 1.42% | 1.40% | 1.38% | -11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 133.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.36% | 10.25% | 9.69% | 9.55% | 9.93% | 9.82% | 9.89% | 9.96% | +41 bps | |
| Total Risk-Based Capital | 18.10% | 16.44% | 16.11% | 16.12% | 16.60% | 16.64% | 16.87% | 16.47% | +35 bps | |
| Equity / Assets | 10.12% | 10.10% | 9.23% | 9.00% | 9.68% | 9.80% | 9.64% | 9.80% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.18% | 73.03% | 65.90% | 64.14% | 69.00% | 71.28% | 70.40% | 71.77% | +763 bps | |
| Liquid Assets / Assets | 35.61% | 31.13% | 34.19% | 38.36% | 32.96% | 29.84% | 31.55% | 29.48% | -888 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 351% | 341% | 332% | n/a | n/a | |