BankUnited, N.A.
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Data as of · sourced from FFIEC call reports. How we update
BankUnited, N.A. is an FDIC-insured commercial bank headquartered in Miami Lakes, FL, established in 2009 (FDIC certificate 58979), and it is supervised by the OCC. At Q2 2026 it reported total assets of $34.86B, down 1.6% from Q2 2025, the 4th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 13.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58979
- Headquarters
- Miami Lakes, FL
- Established
- 2009
- Total assets, Q2 2026
- $34.86B
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 13.01%
- Domestic offices
- 58 FDIC institution directory, current count
- Routing number
- 267090594
- Latest call report
- Q2 2026, FFIEC 041 · BankUnited, N.A. call report
- Holding company
- BANKUNITED, INC.
- Asset rank in state
- 4th of 81 in Florida
BankUnited, N.A., based in Miami Lakes, Florida, reported $34.9 billion in assets at June 30, 2026, down 1.6% from a year earlier. It holds about half of its deposits (58%) above the FDIC insurance limit, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 38.6%). It also lost 0.5% of its deposits over the year, lower than about three-quarters of banks its size (median 5.7%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.82% of loans from 1.42%. Its $5.1 billion non-owner-occupied commercial real estate book is improving, with 0.71% past due or on nonaccrual, down from 2.08% a year earlier. Profitability lags: it earns about $0.89 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, BankUnited, N.A. reported a CET1 capital ratio of 13.01%, a return on assets of 0.89%, a nonperforming-loan ratio of 1.69% and a Texas ratio of 5.97%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, BankUnited, N.A. is the 4th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $34.86B, loans fell 1.0% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.9% of total loans, followed by non-owner-occupied commercial real estate loans at 21.4%. Its 57 offices in the FDIC Summary of Deposits are in 44 cities across 4 states; its Miami Lakes 2 offices book 47% of its branch deposits. Judged on its Q2 2026 call report, BankUnited, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 14817 Oak Ln, Miami Lakes, FL 33016
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 21, 2009
- Former names
- BankUnited (2009-2012)
- Domestic offices
- 58 FDIC institution directory, current count
- Employees (FTE)
- 1,824
- Domestic deposits
- $29.09B
- Allowance for credit losses
- $217.5M
- Net charge-offs (YTD)
- $42.5M
- Average total assets
- $35.31B
- Average total loans
- $23.44B
- Average interest-bearing deposits
- $25.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 21, 2009
- FDIC Cert
- 58979
- Fed RSSD
- 3938186
- SEC CIK
- 1504008 → filed by BANKUNITED, INC.
- Website
- www.BankUnited.com →
- Parent Holding Company
- BANKUNITED, INC. (RSSD 4028712) · BKU
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rajinder P Singh | CEO | President and CEO |
| James G. Mackey | CFO | Chief Financial Officer |
| Thomas M. Cornish | COO | Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, BankUnited, N.A.'s total assets ran between $34.81B (Q1 2025) and $35.76B (Q3 2024), 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
$34.86B total assets against $35.44B; $31.68B total liabilities against $32.30B.
$23.72B net loans and leases against $23.73B; $29.09B total deposits against $29.24B.
$9.31B securities against $9.39B; $367.9M cash and balances due against $801.3M.
$427.3M total interest income against $454.9M; $167.1M total interest expense against $198.5M.
$260.2M net interest income against $256.4M.
$26.4M total noninterest income against $26.2M; $167.5M total noninterest expense against $158.8M.
$15.6M provision for credit losses against $15.7M.
$78.5M net income against $80.3M.
0.89% return on assets against 0.90%; 3.09% net interest margin against 3.02%.
13.01% CET1 capital ratio against 12.96%; 9.43% tier 1 leverage ratio against 9.28%.
Inside the full BankUnited, N.A. 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.
BankUnited, N.A. rankings
Its closest position to the top of a national ranking is 62 of 4,196, for total assets; its furthest is 2,735 of 3,611, for ROA.
Metric pages for BankUnited, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.78% (Q1 2025) to 0.96% (Q3 2025) and its net interest margin ran from 2.86% (Q3 2024) to 3.11% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.01% | 0.89% | 1.69% | 5.97% | 3.09% |
| Q1 2026 | 12.89% | 0.83% | 1.95% | 7.41% | 3.01% |
| Q4 2025 | 12.73% | 0.90% | 2.19% | 10.27% | 3.11% |
| Q3 2025 | 13.19% | 0.96% | 2.29% | 10.37% | 3.07% |
| Q2 2025 | 12.96% | 0.90% | 2.38% | 10.58% | 3.02% |
| Q1 2025 | 13.41% | 0.78% | 2.12% | 8.54% | 2.89% |
| Q4 2024 | 13.70% | 0.90% | 1.96% | 8.39% | 2.93% |
| Q3 2024 | 13.63% | 0.83% | 1.86% | 7.59% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View all 57 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 |
|---|---|---|---|
| BankUnited, N.A. (main office) | Miami Lakes , FL | 33016 | $13.63B |
| Nyc 57th & Lexington Avenue | New York , NY | 10022 | $5.59B |
| Brickell Branch | Miami , FL | 33131 | $2.28B |
| Melville Ny | Melville , NY | 11747 | $2.18B |
| Dallas Branch | Dallas , TX | 75209 | $506.5M |
| Fort Lauderdale Las Olas Branch | Fort Lauderdale , FL | 33301 | $437.8M |
| Stuart Branch | Stuart , FL | 34997 | $190.8M |
| Aventura Waterways Branch | Aventura , FL | 33180 | $188.6M |
| HollywoodPresidential Plaza Branch | Hollywood , FL | 33021 | $171.7M |
| Pines & Palm | Pembroke Pines , FL | 33024 | $159.3M |
| The Falls Branch | Pinecrest , FL | 33156 | $155.7M |
| Vero BeachMiracle Mile Branch | Vero Beach , FL | 32960 | $137.4M |
| Coral Springs Ii Branch | Coral Springs , FL | 33065 | $134.6M |
| BonitaRiverview Center Branch | Bonita Springs , FL | 34134 | $133.4M |
| Weston Branch | Weston , FL | 33326 | $132.5M |
| Kendall Branch | Miami , FL | 33186 | $131.9M |
| Tampa Henderson Branch | Tampa , FL | 33629 | $131.1M |
| Lighthouse Point Branch | Lighthouse Point , FL | 33064 | $131.1M |
| Miami Lakes Branch | Miami Lakes , FL | 33014 | $122.9M |
| Pavilion Branch | Naples , FL | 34108 | $118.7M |
| Central Delray Branch | Delray Beach , FL | 33484 | $118.2M |
| Wilton Manors Branch | Wilton Manors , FL | 33334 | $116.8M |
| Biscayne Blvd-North Miami Branch | North Miami , FL | 33181 | $112.9M |
| Miami SW 8th St Branch | Miami , FL | 33135 | $104.0M |
| South Miami Plaza Branch | South Miami , FL | 33143 | $100.8M |
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 |
|---|---|---|---|
| March 23, 2013 | Structure Change | Acquired Herald National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 22, 2009 | Structure Change | Acquired BankUnited, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 21, 2009 | 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
- 2.4% of deposits in FL, rank 11 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 6,379 applications, 55 loans originated, $405.6M originated, across 51 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 31 loans, $28.7M approved, $927K 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).
- Consumer complaints
- 8 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q2. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, 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 BankUnited, N.A.
What are BankUnited, N.A.'s total assets?
As of the Q2 2026 filing, BankUnited, N.A. reported total assets of $34.86 billion in its FFIEC call report.
Where is BankUnited, N.A. headquartered?
It is headquartered in Miami Lakes, FL, United States.
When was BankUnited, N.A. founded?
It was established in 2009, per the FDIC institution directory.
Is BankUnited, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58979). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BankUnited, N.A.?
BankUnited, N.A.'s primary federal regulator is the OCC.
What is BankUnited, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BankUnited, N.A. operate?
It operates 58 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BankUnited, N.A.'s Texas Ratio?
Its Texas Ratio is 5.97% 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.
What was BankUnited, N.A. previously called?
The charter now named BankUnited, N.A. has also operated as BankUnited (2009-2012), per FDIC structure-change records.
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