Bankmiami: 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 CET1 capital ratio: 7.45 percentage points lower than in Q1 2026, at 28.79%. On return on assets, Bankmiami is 6th from the bottom among 79 Florida banks, -0.60% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, Bankmiami reported -0.60% on return on assets in Q2 2026, 1.86 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.79% |
| Tier 1 risk-based capital ratio | 28.79% |
| Total risk-based capital ratio | 29.73% |
| Tier 1 leverage ratio | 11.43% |
| Equity capital to assets | 10.99% |
| Tangible equity to tangible assets | 10.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.60% |
| Return on equity | -5.09% |
| Net interest margin | 2.53% |
| Efficiency ratio | 116.48% |
| Yield on earning assets | 4.72% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.39% |
| Core deposits to total deposits | 98.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.36% |
| Securities to assets | 3.32% |
Vital Signs trend
Last 6 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q1 2025 | 433.10% | 433.10% | 433.10% | 96.40% | -8.68% |
| Q2 2025 | 140.41% | 140.41% | 141.02% | 68.49% | -5.59% |
| Q3 2025 | 77.48% | 77.48% | 78.39% | 32.44% | -2.77% |
| Q4 2025 | 41.63% | 41.63% | 42.55% | 20.94% | -1.82% |
| Q1 2026 | 36.24% | 36.24% | 37.13% | 15.59% | -0.86% |
| Q2 2026 | 28.79% | 28.79% | 29.73% | 11.43% | -0.60% |
Bankmiami vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankmiami, 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 Bankmiami profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59354) · FFIEC NIC profile (RSSD 5906497)