Banesco USA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Banesco USA of Miami, FL against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.66% | 1.34% | +0.32% | 74th above |
| ROAE | 15.67% | 12.34% | +3.33% | 74th above |
| Net Interest Margin | 3.60% | 3.83% | -0.23% | 41st below |
| Efficiency Ratio | 52.47% | 58.97% | -6.50% | 67th above |
| PPNR / Avg Assets | 2.06% | — | — | 71st above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.57% | 5.71% | -0.14% | 52nd above |
| Cost of Funds | 2.11% | 2.02% | +0.09% | 44th below |
| Net Interest Spread | 2.28% | — | — | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.49% | 0.87% | -0.38% | 52nd above |
| NPA / Total Assets | 0.33% | — | — | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.17% | 0.43% | -0.26% | 21st bottom |
| ACL / Total Loans | 0.95% | — | — | 24th bottom |
| ACL / NPLs (Coverage) | 192.58% | — | — | 47th below |
| Texas Ratio | 2.84% | 5.48% | -2.64% | 59th above |
| Provision / NCO | -142.13% | — | — | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.46% | 11.11% | +0.35% | 68th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.02% | -0.55% | 51st above |
| TCE / Tangible Assets | 6.29% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.68% | 86.99% | -10.31% | 76th top |
| Core Deposit Ratio | 71.96% | 85.57% | -13.61% | 10th bottom |
| Uninsured Deposit Ratio | 51.61% | 33.19% | +18.42% | 8th bottom |
| Wholesale Funding Ratio | 2.09% | — | — | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.69% | — | — | 86th top |
| Loan Growth (Y/Y) | 8.37% | — | — | 65th above |
| Deposit Growth (Y/Y) | 20.51% | — | — | 91st top |
See Banesco USA's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Banesco USA, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Banesco USA profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Banesco USA peer analysis.