Banesco USA
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Data as of · sourced from FFIEC call reports. How we update
Banesco USA is an FDIC-insured commercial bank headquartered in Miami, FL, established in 2006 (FDIC certificate 57815), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.98B, up 14.7% from Q2 2025, the 10th largest of 81 banks headquartered in Florida. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57815
- Headquarters
- Miami, FL
- Established
- 2006
- Total assets, Q2 2026
- $5.98B
- Assets vs Q2 2025
- +14.7%
- Tier 1 leverage ratio, Q2 2026
- 11.46%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 067015779
- Asset rank in state
- 10th of 81 in Florida
Banesco USA, based in Miami, Florida, reported $6.0 billion in assets at June 30, 2026, up 14.7% from a year earlier. It holds about half of its deposits (52%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also grew deposits 20.5% over the year, 4.0 times the median of 5.1% for banks its size.
Earnings jumped: net income for the quarter was $24 million, 59% above the same quarter a year earlier. Over the same year, loans grew 8.4% and deposits grew 20.5%.
As of June 30, 2026, Banesco USA reported a return on assets of 1.66%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 2.84%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Banesco USA is the 10th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.6% to $5.98B, loans fell 2.7% and deposits rose 7.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.2% of total loans, followed by commercial and industrial loans at 19.7%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Miami 2 offices book 77% of its branch deposits. On its Q2 2026 call report, Banesco USA meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3155 Nw 77 Avenue, Miami, FL 33122
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- January 10, 2006
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 500
- Domestic deposits
- $4.28B
- Allowance for credit losses
- $37.6M
- Net charge-offs (YTD)
- $2.1M
- Average total assets
- $5.79B
- Average total loans
- $4.00B
- Average interest-bearing deposits
- $3.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 10, 2006
- FDIC Cert
- 57815
- Fed RSSD
- 3402913
- Website
- Banescousa.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Banesco USA reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Banesco USA's total assets ran between $3.71B (Q3 2023) and $5.98B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.98B total assets against $5.21B; $5.35B total liabilities against $4.66B.
$3.93B net loans and leases against $3.62B; $5.17B total deposits against $4.29B.
$1.15B securities against $1.02B; $661.6M cash and balances due against $345.1M.
$77.7M total interest income against $68.1M; $27.4M total interest expense against $28.8M.
$50.3M net interest income against $39.2M.
$12.6M total noninterest income against $6.3M; $33.0M total noninterest expense against $24.9M.
-$2.4M provision for credit losses against $3.7M.
$24.0M net income against $15.1M.
1.66% return on assets against 1.22%; 3.60% net interest margin against 3.30%.
11.46% tier 1 leverage ratio against 12.00%.
Inside the full Banesco USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Banesco USA rankings
Its closest position to the top of a national ranking is 245 of 4,196, for total assets; its furthest is 1,912 of 3,640, for Texas Ratio.
Metric pages for Banesco USA: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.66% (Q2 2026) and its net interest margin ran from 3.11% (Q4 2024) to 3.60% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.46% | 1.66% | 0.49% | 2.84% | 3.60% |
| Q1 2026 | 11.34% | 1.28% | 0.53% | 3.33% | 3.39% |
| Q4 2025 | 11.30% | 1.08% | 0.55% | 3.39% | 3.26% |
| Q3 2025 | 11.55% | 1.07% | 1.15% | 6.94% | 3.20% |
| Q2 2025 | 12.00% | 1.22% | 0.73% | 4.50% | 3.30% |
| Q1 2025 | 12.63% | 1.15% | 0.84% | 4.94% | 3.17% |
| Q4 2024 | 12.93% | 0.86% | 0.37% | 2.17% | 3.11% |
| Q3 2024 | 12.83% | 1.39% | 0.48% | 2.79% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Banesco USA (main office) | Miami , FL | 33122 | $3.90B |
| Hato Rey Branch | San Juan , PR | 00917 | $892.0M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $169.1M |
| Aventura Park Square Branch | Aventura , FL | 33180 | $78.0M |
| Brickell Bank Branch | Miami , FL | 33131 | $65.5M |
| Hialeah 2 Branch | Hialeah , FL | 33012 | $64.2M |
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 |
|---|---|---|---|
| September 3, 2019 | Structure Change | Acquired Brickell Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 5, 2012 | Structure Change | Acquired Security Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 4, 2012 | 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in FL, rank 27 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 57 loans, $40.0M approved, $702K 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Banesco USA
What are Banesco USA's total assets?
As of the Q2 2026 filing, Banesco USA reported total assets of $5.98 billion in its FFIEC call report.
Where is Banesco USA headquartered?
It is headquartered in Miami, FL, United States.
When was Banesco USA founded?
It was established in 2006, per the FDIC institution directory.
Is Banesco USA FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banesco USA?
Banesco USA's primary federal regulator is the FDIC.
How many branches does Banesco USA operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banesco USA's Texas Ratio?
Its Texas Ratio is 2.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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