BankUnited, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BankUnited, N.A. of Miami Lakes, FL against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.89% | 1.35% | -0.46% | 18th bottom |
| ROAE | 9.85% | 12.31% | -2.46% | 37th below |
| Net Interest Margin | 3.09% | 3.68% | -0.59% | 21st bottom |
| Efficiency Ratio | 57.68% | 53.78% | +3.90% | 31st below |
| PPNR / Avg Assets | 1.35% | 1.96% | -0.61% | 19th bottom |
| Yield on Earning Assets | 5.04% | 5.57% | -0.53% | 28th below |
| Cost of Funds | 1.77% | 2.00% | -0.23% | 60th above |
| Net Interest Spread | 1.94% | 2.99% | -1.05% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 1.05% | +0.33% | 17th bottom |
| NPA / Total Assets | 0.95% | 0.76% | +0.19% | 21st bottom |
| NCO / Avg Loans | 0.11% | 0.36% | -0.25% | 55th above |
| ACL / Total Loans | 0.91% | 1.38% | -0.47% | 17th bottom |
| ACL / NPLs (Coverage) | 65.97% | 211.24% | -145.27% | 12th bottom |
| Texas Ratio | 15.27% | 10.19% | +5.08% | 9th bottom |
| Provision / NCO | 94.57% | 107.54% | -12.97% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.01% | 14.76% | -1.75% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.01% | 14.88% | -1.87% | 53rd above |
| Total Capital Ratio | 13.90% | 16.10% | -2.20% | 38th below |
| Leverage Ratio | 9.43% | 10.27% | -0.84% | 25th below |
| Equity / Assets | 9.13% | 11.57% | -2.44% | 16th bottom |
| TCE / Tangible Assets | 8.92% | 9.48% | -0.56% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.27% | 83.90% | -1.63% | 65th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.15% | 86.76% | +0.39% | 35th below |
| Uninsured Deposit Ratio | 57.91% | 38.77% | +19.14% | 5th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.50% | 5.65% | -0.15% | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.63% | 10.19% | -11.82% | 8th bottom |
| Loan Growth (Y/Y) | -0.09% | 10.21% | -10.30% | 15th bottom |
| Deposit Growth (Y/Y) | -0.51% | 10.04% | -10.55% | 15th bottom |
See BankUnited, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BankUnited, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BankUnited, N.A. profile, how to read a UBPR, or how this data updates.