PiBank, N.A.: Financial Reports & UBPR Data
BankRegReports is independent of PiBank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
PiBank, N.A. spends more to run itself than most banks of its size. The Miami, Florida bank had $2.4 billion in assets at June 30, 2026, against $1.3 billion a year earlier. It loses about $0.48 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 111 cents to bring in each dollar of revenue, about double the median of 58 cents for banks its size.
It lost $2.7 million in the quarter. Its margin is thin by comparison: it keeps 1.68 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for banks its size.
As of June 30, 2026, PiBank, N.A. reported a CET1 capital ratio of 10.83%, a return on assets of -0.48%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.64%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 860 Nw 42nd Ave, Miami, FL 33126
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 2, 1984
- Former names
- Intercredit Bank, National Association (1992-2026); Banco Pedroso, National Association (1985-1992)
- Offices
- 1 domestic
- Employees (FTE)
- 130
- Domestic deposits
- $2.11B
- Allowance for credit losses
- $16.0M
- Net charge-offs (YTD)
- $248K
- Average total assets
- $2.25B
- Average total loans
- $1.04B
- Average interest-bearing deposits
- $1.92B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 2, 1984
- FDIC Cert
- 25258
- Fed RSSD
- 44433
- Website
- www.pibank.com →
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 PiBank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock PiBank, 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.
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.
PiBank, 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 | 10.83% | -0.48% | 0.13% | 0.64% | 1.68% |
| Q1 2026 | 12.72% | -0.47% | 0.43% | 0.25% | 1.81% |
| Q4 2025 | 14.72% | -1.60% | 0.50% | 0.47% | 2.10% |
| Q3 2025 | 16.48% | -0.38% | 0.53% | 0.13% | 2.24% |
| Q2 2025 | 17.59% | -0.42% | 0.50% | 0.00% | 2.17% |
| Q1 2025 | 19.04% | -0.82% | 0.57% | 0.22% | 1.99% |
| Q4 2024 | 15.62% | -0.48% | 0.60% | 0.48% | 2.08% |
| Q3 2024 | 13.99% | -2.38% | 0.70% | 5.22% | 2.17% |
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 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| PiBank, N.A. (main office) | Miami , FL | 33126 | $2.11B |
| Bird Road Branch | Miami , FL | 33165 | $394K |
Regulatory record
What the public regulatory sources show for PiBank, 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
- 7 against the institution (OCC)
- August 8, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Intercredit Bank, National Association
- June 21, 2010, OCC: Civil Money Penalty (CMP): Intercredit Bank, National Association
- September 9, 2008, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Intercredit Bank, National Association
- June 18, 2008, OCC: Civil Money Penalty (CMP): Intercredit Bank, National Association
- April 26, 2007, OCC: Formal Agreement: Intercredit Bank, National Association
- Period: Most recent institution action August 8, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in FL, rank 43 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $167K approved, $167K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. 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.
Add this badge to your website
Free to use. The badge always shows PiBank, N.A.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare PiBank, N.A. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about PiBank, N.A.
What are PiBank, N.A.'s total assets?
As of the Q2 2026 filing, PiBank, N.A. reported total assets of $2.37 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is PiBank, N.A. headquartered?
PiBank, N.A. is headquartered in Miami, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was PiBank, N.A. founded?
PiBank, N.A. was established in 1984, per the FDIC institution directory.
Is PiBank, N.A. FDIC-insured?
Yes. PiBank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #25258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PiBank, N.A.?
PiBank, 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 PiBank, N.A.'s CET1 capital ratio?
PiBank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 10.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does PiBank, N.A. operate?
PiBank, N.A. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PiBank, N.A.'s Texas Ratio?
PiBank, N.A.'s Texas Ratio is 0.64% 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 PiBank, N.A. previously called?
The charter now named PiBank, N.A. has also operated as Intercredit Bank, National Association (1992-2026), Banco Pedroso, National Association (1985-1992), per FDIC structure-change records.
Go deeper on PiBank, N.A.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock PiBank, N.A., freeFree account