City National Bank of Florida: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
City National Bank of Florida, based in Miami, Florida, reported $29.1 billion in assets at June 30, 2026, up 7.6% from a year earlier. It holds about half of its deposits (51%) above the FDIC insurance limit, higher than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 38.6%). On the other hand, it spends about 42 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $93 million, 41% above the same quarter a year earlier. Over the same year, loans grew 7.7% and deposits grew 2.7%. Its margin is thin by comparison: it keeps 2.92 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, City National Bank of Florida reported a CET1 capital ratio of 14.65%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 6.76%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 25 W Flagler St, Miami, FL 33130
- 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
- August 12, 1970
- Former names
- City National Bank of Hallandale (1972-1983)
- Offices
- 30 domestic
- Employees (FTE)
- 1,172
- Domestic deposits
- $22.11B
- Allowance for credit losses
- $224.6M
- Net charge-offs (YTD)
- $8.9M
- Average total assets
- $29.08B
- Average total loans
- $20.33B
- Average interest-bearing deposits
- $22.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 12, 1970
- FDIC Cert
- 20234
- Fed RSSD
- 814430
- Website
- www.citynational.com →
- Parent Holding Company
- BCI FINANCIAL GROUP, INC. (RSSD 3762457)
- Ultimate Parent
- EMPRESAS JUAN YARUR SPA (RSSD 2833891)
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 City National Bank of Florida terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock City National Bank of Florida, 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.
City National Bank of Florida 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.
Metric pages for City National Bank of Florida: Uninsured deposits.
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 | 14.65% | 1.28% | 1.07% | 6.76% | 2.92% |
| Q1 2026 | 14.39% | 1.18% | 1.03% | 7.21% | 2.86% |
| Q4 2025 | 14.38% | 1.00% | 1.12% | 6.52% | 2.83% |
| Q3 2025 | 14.21% | 0.97% | 1.06% | 7.52% | 2.61% |
| Q2 2025 | 14.41% | 0.95% | 0.67% | 5.00% | 2.51% |
| Q1 2025 | 14.10% | 0.80% | 0.69% | 5.14% | 2.43% |
| Q4 2024 | 14.07% | 0.68% | 0.76% | 5.55% | 2.31% |
| Q3 2024 | 14.11% | -0.36% | 0.60% | 4.99% | 2.06% |
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 30 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Coral Gables Branch | Coral Gables , FL | 33134 | $12.64B |
| Brickell Branch | Miami , FL | 33131 | $2.48B |
| Palm Beach Banking Center Branch | Palm Beach Gardens , FL | 33418 | $1.23B |
| Las Olas Branch | Fort Lauderdale , FL | 33301 | $866.1M |
| Central Florida Branch | Orlando , FL | 32801 | $717.7M |
| 41st Street Branch | Miami Beach , FL | 33140 | $666.2M |
| South Miami Branch | Miami , FL | 33143 | $416.8M |
| West Miami Branch | West Miami , FL | 33144 | $401.9M |
| Doral Branch Office | Doral , FL | 33172 | $389.0M |
| Kendall Branch | Miami , FL | 33176 | $323.2M |
| Boca Del Mar | Boca Raton , FL | 33433 | $218.2M |
| City National Bank of Florida (main office) | Miami , FL | 33130 | $185.8M |
| Pompano Beach Branch | Pompano Beach , FL | 33062 | $184.6M |
| North Miami Branch | North Miami , FL | 33181 | $179.7M |
| Delray Beach Branch | Delray Beach , FL | 33483 | $168.9M |
| South Beach Branch | Miami Beach , FL | 33139 | $159.6M |
| Miami Beach Branch | Miami Beach , FL | 33141 | $122.2M |
| Pinecrest Branch | Miami , FL | 33156 | $116.1M |
| London Square Banking Center | Miami , FL | 33186 | $114.6M |
| Galloway Banking Center | Miami , FL | 33173 | $108.7M |
| Hialeah Branch Office | Hialeah , FL | 33012 | $108.3M |
| Palmetto Bay Branch | Palmetto Bay , FL | 33157 | $63.8M |
| Aventura Branch | Aventura , FL | 33180 | $59.5M |
| Coral Springs Branch | Coral Springs , FL | 33071 | $58.2M |
| Bird Road Branch | Miami , FL | 33155 | $47.9M |
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 |
|---|---|---|---|
| October 10, 2020 | Structure Change | Acquired Executive National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2020 | M&A | Acquired Executive National Bank merger for the acquired bank | SEC |
| October 9, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 16, 2018 | Structure Change | Acquired TotalBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 2018 | M&A | Acquired TotalBank merger for the acquired bank | SEC |
| June 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1987 | M&A | Acquired City National Bank of Miami merger for the acquired bank | SEC |
| June 1, 1987 | Structure Change | Acquired City National Bank of Miami Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for City National Bank of Florida, 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
- 1 against the institution (OCC)
- April 19, 2010, OCC: Formal Agreement: City National Bank of Florida
- Period: Most recent institution action April 19, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.5% of deposits in FL, rank 9 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,808 applications, 1,198 loans originated, $1.30B originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 127 loans, $85.0M approved, $669K 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
- 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.
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Frequently asked about City National Bank of Florida
What are City National Bank of Florida's total assets?
As of the Q2 2026 filing, City National Bank of Florida reported total assets of $29.11 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is City National Bank of Florida headquartered?
City National Bank of Florida is headquartered in Miami, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was City National Bank of Florida founded?
City National Bank of Florida was established in 1970, per the FDIC institution directory.
Is City National Bank of Florida FDIC-insured?
Yes. City National Bank of Florida is an FDIC-insured commercial bank (FDIC Certificate #20234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City National Bank of Florida?
City National Bank of Florida'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 City National Bank of Florida's CET1 capital ratio?
City National Bank of Florida reported a Common Equity Tier 1 (CET1) capital ratio of 14.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does City National Bank of Florida operate?
City National Bank of Florida operates 30 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is City National Bank of Florida's Texas Ratio?
City National Bank of Florida's Texas Ratio is 6.76% 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 City National Bank of Florida previously called?
The charter now named City National Bank of Florida has also operated as City National Bank of Hallandale (1972-1983), per FDIC structure-change records.
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