Bankmiami: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 43.43 percentage points in Q2 2026, from 122.14% to 165.57%. It was the largest change from Q1 2026 among the key lines here. Bankmiami has the 5th lowest loan-to-deposit ratio of the 81 banks headquartered in Florida, at 35.39% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, Bankmiami reported 35.39% on loan-to-deposit ratio in Q2 2026, 45.16 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.4M |
| Net loans and leases | $98.5M |
| Loans held for sale | $0 |
| Loans to total assets | 31.27% |
| Loan-to-deposit ratio | 35.39% |
| Net loans to equity capital | 2.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.19% |
| Multifamily (5+ residential) | 1.98% |
| Commercial and industrial | 8.66% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.57% |
| Construction concentration (Tier 1 capital + allowance) | 51.21% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.73% |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 6 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q1 2025 | $0 | $2.6M | — | — | — |
| Q2 2025 | $13.0M | $43.4M | 77.25% | 11.81% | 0.00% |
| Q3 2025 | $36.3M | $104.2M | 47.18% | 8.40% | 0.00% |
| Q4 2025 | $67.8M | $145.8M | 32.20% | 14.42% | 0.00% |
| Q1 2026 | $76.8M | $242.1M | 34.83% | 12.63% | 0.00% |
| Q2 2026 | $99.4M | $280.8M | 40.19% | 8.66% | 0.00% |
Bankmiami loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankmiami, freeSource: Call Report Schedule RC-C, 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 Bankmiami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59354) · FFIEC NIC profile (RSSD 5906497)