BankUnited, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
BankUnited, N.A., based in Miami Lakes, Florida, reported $34.9 billion in assets at June 30, 2026, down 1.6% from a year earlier. It holds about half of its deposits (58%) above the FDIC insurance limit, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 38.6%). It also lost 0.5% of its deposits over the year, lower than about three-quarters of banks its size (median 5.7%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.82% of loans from 1.42%. Its $5.1 billion non-owner-occupied commercial real estate book is improving, with 0.71% past due or on nonaccrual, down from 2.08% a year earlier. Profitability lags: it earns about $0.89 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, BankUnited, N.A. reported a CET1 capital ratio of 13.01%, a return on assets of 0.89%, a nonperforming-loan ratio of 1.38% and a Texas ratio of 5.97%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 14817 Oak Ln, Miami Lakes, FL 33016
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 21, 2009
- Former names
- BankUnited (2009-2012)
- Offices
- 57 domestic
- Employees (FTE)
- 1,824
- Domestic deposits
- $29.09B
- Allowance for credit losses
- $217.5M
- Net charge-offs (YTD)
- $42.5M
- Average total assets
- $35.31B
- Average total loans
- $23.44B
- Average interest-bearing deposits
- $25.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 21, 2009
- FDIC Cert
- 58979
- Fed RSSD
- 3938186
- SEC CIK
- 1504008 → filed by BANKUNITED, INC.
- Website
- www.BankUnited.com →
- Parent Holding Company
- BANKUNITED, INC. (RSSD 4028712) · BKU
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rajinder P Singh | CEO | President and CEO |
| James G. Mackey | CFO | Chief Financial Officer |
| Thomas M. Cornish | COO | Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full BankUnited, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BankUnited, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
BankUnited, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 13.01% | 0.89% | 1.38% | 5.97% | 3.09% |
| Q1 2026 | 12.89% | 0.83% | 1.61% | 7.41% | 3.01% |
| Q4 2025 | 12.73% | 0.90% | 2.02% | 10.27% | 3.11% |
| Q3 2025 | 13.19% | 0.96% | 2.65% | 10.37% | 3.07% |
| Q2 2025 | 12.96% | 0.90% | 2.54% | 10.58% | 3.02% |
| Q1 2025 | 13.41% | 0.78% | 2.09% | 8.54% | 2.89% |
| Q4 2024 | 13.70% | 0.90% | 1.94% | 8.39% | 2.93% |
| Q3 2024 | 13.63% | 0.83% | 1.40% | 7.59% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 57 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BankUnited, N.A. (main office) | Miami Lakes , FL | 33016 | $13.63B |
| Nyc 57th & Lexington Avenue | New York , NY | 10022 | $5.59B |
| Brickell Branch | Miami , FL | 33131 | $2.28B |
| Melville Ny | Melville , NY | 11747 | $2.18B |
| Dallas Branch | Dallas , TX | 75209 | $506.5M |
| Fort Lauderdale Las Olas Branch | Fort Lauderdale , FL | 33301 | $437.8M |
| Stuart Branch | Stuart , FL | 34997 | $190.8M |
| Aventura Waterways Branch | Aventura , FL | 33180 | $188.6M |
| HollywoodPresidential Plaza Branch | Hollywood , FL | 33021 | $171.7M |
| Pines & Palm | Pembroke Pines , FL | 33024 | $159.3M |
| The Falls Branch | Pinecrest , FL | 33156 | $155.7M |
| Vero BeachMiracle Mile Branch | Vero Beach , FL | 32960 | $137.4M |
| Coral Springs Ii Branch | Coral Springs , FL | 33065 | $134.6M |
| BonitaRiverview Center Branch | Bonita Springs , FL | 34134 | $133.4M |
| Weston Branch | Weston , FL | 33326 | $132.5M |
| Kendall Branch | Miami , FL | 33186 | $131.9M |
| Tampa Henderson Branch | Tampa , FL | 33629 | $131.1M |
| Lighthouse Point Branch | Lighthouse Point , FL | 33064 | $131.1M |
| Miami Lakes Branch | Miami Lakes , FL | 33014 | $122.9M |
| Pavilion Branch | Naples , FL | 34108 | $118.7M |
| Central Delray Branch | Delray Beach , FL | 33484 | $118.2M |
| Wilton Manors Branch | Wilton Manors , FL | 33334 | $116.8M |
| Biscayne Blvd-North Miami Branch | North Miami , FL | 33181 | $112.9M |
| Miami SW 8th St Branch | Miami , FL | 33135 | $104.0M |
| South Miami Plaza Branch | South Miami , FL | 33143 | $100.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 23, 2013 | Structure Change | Acquired Herald National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 22, 2009 | Structure Change | Acquired BankUnited, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 21, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for BankUnited, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.4% of deposits in FL, rank 11 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,379 applications, 55 loans originated, $405.6M originated, across 51 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 31 loans, $28.7M approved, $927K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 8 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q2. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about BankUnited, N.A.
What are BankUnited, N.A.'s total assets?
As of the Q2 2026 filing, BankUnited, N.A. reported total assets of $34.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BankUnited, N.A. headquartered?
BankUnited, N.A. is headquartered in Miami Lakes, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was BankUnited, N.A. founded?
BankUnited, N.A. was established in 2009, per the FDIC institution directory.
Is BankUnited, N.A. FDIC-insured?
Yes. BankUnited, N.A. is an FDIC-insured commercial bank (FDIC Certificate #58979). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BankUnited, N.A.?
BankUnited, 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 BankUnited, N.A.'s CET1 capital ratio?
BankUnited, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BankUnited, N.A. operate?
BankUnited, N.A. operates 57 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BankUnited, N.A.'s Texas Ratio?
BankUnited, N.A.'s Texas Ratio is 5.97% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was BankUnited, N.A. previously called?
The charter now named BankUnited, N.A. has also operated as BankUnited (2009-2012), per FDIC structure-change records.
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