Banesco USA: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.74 percentage points lower than in Q1 2026, at 76.68%. Banesco USA ranks 12th of 79 Florida banks on return on assets, in the upper half at 1.66% (Q2 2026). Banesco USA reported 1.66% on return on assets for Q2 2026, 0.39 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.46% |
| Equity capital to assets | 10.47% |
| Tangible equity to tangible assets | 10.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 2.84% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 192.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 15.67% |
| Net interest margin | 3.60% |
| Efficiency ratio | 52.47% |
| Yield on earning assets | 5.57% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.68% |
| Core deposits to total deposits | 71.96% |
| Brokered deposits to total deposits | 4.30% |
| Deposits to assets | 86.42% |
| Securities to assets | 19.28% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.15% | 0.57% | 3.00% | 0.29% | -0.02% |
| Q4 2023 | 13.22% | 0.84% | 2.92% | 0.25% | 0.05% |
| Q1 2024 | 12.58% | 0.78% | 2.90% | 0.20% | 0.00% |
| Q2 2024 | 12.98% | 1.11% | 3.10% | 0.17% | 0.01% |
| Q3 2024 | 12.83% | 1.39% | 3.19% | 0.48% | 0.02% |
| Q4 2024 | 12.93% | 0.86% | 3.11% | 0.37% | 0.34% |
| Q1 2025 | 12.63% | 1.15% | 3.17% | 0.84% | 0.00% |
| Q2 2025 | 12.00% | 1.22% | 3.30% | 0.73% | 0.00% |
| Q3 2025 | 11.55% | 1.07% | 3.20% | 1.15% | 0.00% |
| Q4 2025 | 11.30% | 1.08% | 3.26% | 0.55% | 0.10% |
| Q1 2026 | 11.34% | 1.28% | 3.39% | 0.53% | 0.04% |
| Q2 2026 | 11.46% | 1.66% | 3.60% | 0.49% | 0.17% |
Banesco USA vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banesco USA, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Banesco USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57815) · FFIEC NIC profile (RSSD 3402913)