TERRABANK, NATIONAL ASSOCIATION
TERRABANK, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in MIAMI, FL, established in 1985. As of , 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 3.49%. CET1 capital ratio: 10.93%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.23%. Operates 4 domestic branches.
Capital & Liquidity
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Terrabank, N.A. rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.93% | 1.21% | 0.03% | 0.23% | 3.49% |
| 2025-09-30 | 10.87% | 0.90% | 0.03% | 0.23% | 3.43% |
| 2025-06-30 | 10.80% | 0.82% | 0.00% | 0.02% | 3.25% |
| 2025-03-31 | 11.15% | 0.80% | 0.09% | 0.68% | 3.25% |
| 2024-12-31 | 10.85% | 0.72% | 1.01% | 8.16% | 2.93% |
| 2024-09-30 | 10.54% | 0.61% | 1.08% | 8.79% | 2.75% |
| 2024-06-30 | 10.33% | 0.42% | 1.10% | 9.92% | 2.66% |
| 2024-03-31 | 10.31% | 0.34% | 0.22% | 2.03% | 2.60% |
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Frequently asked about TERRABANK, NATIONAL ASSOCIATION
What are Terrabank, N.A.'s total assets?
As of the Q4 2025 filing, Terrabank, N.A. reported total assets of $853.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Terrabank, N.A. headquartered?
Terrabank, N.A. is headquartered in MIAMI, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Terrabank, N.A. founded?
Terrabank, N.A. was established in 1985, per the FDIC institution directory.
Is Terrabank, N.A. FDIC-insured?
Yes. Terrabank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #26442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Terrabank, N.A.?
Terrabank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Terrabank, N.A.'s CET1 capital ratio?
Terrabank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 10.93% in its most recent quarterly filing — above regulatory minimums.
How many branches does Terrabank, N.A. operate?
Terrabank, N.A. operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Terrabank, N.A.'s Texas Ratio?
Terrabank, N.A.'s Texas Ratio is 0.23% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.