BankUnited, N.A.: 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.
The standout move of Q2 2026 was in Loans held for sale: 89.4% lower than in Q1 2026, at $3.9M. Within Florida, BankUnited, N.A. is 31st of 81 on loan-to-deposit ratio, 82.27% as of Q2 2026, above the middle of the field. BankUnited, N.A. reported 82.27% on loan-to-deposit ratio for Q2 2026, 4.57 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.93B |
| Net loans and leases | $23.72B |
| Loans held for sale | $3.9M |
| Loans to total assets | 68.64% |
| Loan-to-deposit ratio | 82.27% |
| Net loans to equity capital | 7.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.75% |
| Multifamily (5+ residential) | 4.75% |
| Commercial and industrial | 19.65% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.00% |
| Construction concentration (Tier 1 capital + allowance) | 17.31% |
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 | 5.31% |
| Interest income on loans | $311.3M |
Loan Portfolio trend
Last 12 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 |
|---|---|---|---|---|---|
| Q3 2023 | $24.37B | $26.43B | 24.54% | 20.32% | 0.01% |
| Q4 2023 | $24.63B | $26.82B | 24.65% | 20.83% | 0.00% |
| Q1 2024 | $24.23B | $27.31B | 24.94% | 21.02% | 0.00% |
| Q2 2024 | $24.63B | $28.04B | 25.04% | 21.23% | 0.00% |
| Q3 2024 | $24.40B | $28.19B | 25.82% | 21.29% | 0.00% |
| Q4 2024 | $24.30B | $28.17B | 26.50% | 21.22% | 0.00% |
| Q1 2025 | $23.99B | $28.52B | 26.91% | 20.85% | 0.02% |
| Q2 2025 | $23.95B | $29.24B | 27.69% | 19.81% | 0.00% |
| Q3 2025 | $23.70B | $28.88B | 28.44% | 20.00% | 0.00% |
| Q4 2025 | $24.27B | $29.61B | 28.42% | 19.79% | 0.00% |
| Q1 2026 | $24.17B | $29.56B | 28.35% | 19.76% | 0.00% |
| Q2 2026 | $23.93B | $29.09B | 28.75% | 19.65% | 0.00% |
BankUnited, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BankUnited, N.A., 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 BankUnited, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58979) · FFIEC NIC profile (RSSD 3938186)