TERRABANK, NATIONAL ASSOCIATION

MIAMI, FL | Medium | Est. Nov. 21, 1985, midnight | FDIC #26442 | RSSD #238737 | OCC
Latest Report: 2025-12-31

TERRABANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in MIAMI, FL, established in Nov. 21, 1985, midnight. As of 2025-12-31, the bank reported total assets of $853M and total deposits of $771M. Profitability stands at 1.21% ROA and 13.77% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 10.93%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.23%. FDIC Certificate #26442.

Assets

$853M

Deposits

$771M

Loans

$567M

Equity

$76M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 13.77%
Net Interest Margin (NIM) 3.74%
Yield on Assets 4.77%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.23%
NPA Ratio 0.02%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 10.93%
Tier 1 Capital 15.70%
Total Capital Ratio 16.95%
Leverage Ratio 9.86%
Loan-to-Deposit 73.53%

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