BankUnited, N.A.: 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.
Reserve coverage of non-performing loans climbed 12.20 percentage points in Q2 2026, from 53.77% to 65.97%. It was the largest change from Q1 2026 among the key lines here. Within Florida, BankUnited, N.A. is 53rd of 79 on return on assets, 0.89% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. BankUnited, N.A. sits 0.41 points lower, at 0.89% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.01% |
| Tier 1 risk-based capital ratio | 13.01% |
| Total risk-based capital ratio | 13.90% |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 9.13% |
| Tangible equity to tangible assets | 8.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 0.95% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 15.27% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 65.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 9.85% |
| Net interest margin | 3.09% |
| Efficiency ratio | 57.68% |
| Yield on earning assets | 5.04% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.27% |
| Core deposits to total deposits | 87.15% |
| Brokered deposits to total deposits | 10.43% |
| Deposits to assets | 83.44% |
| Securities to assets | 26.71% |
Vital Signs trend
Last 12 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 |
|---|---|---|---|---|---|
| Q3 2023 | 13.17% | 13.17% | 13.93% | 9.08% | 0.64% |
| Q4 2023 | 13.09% | 13.09% | 13.89% | 9.11% | 0.34% |
| Q1 2024 | 13.41% | 13.41% | 14.30% | 9.32% | 0.66% |
| Q2 2024 | 13.46% | 13.46% | 14.36% | 9.55% | 0.71% |
| Q3 2024 | 13.63% | 13.63% | 14.55% | 9.59% | 0.83% |
| Q4 2024 | 13.70% | 13.70% | 14.59% | 9.67% | 0.90% |
| Q1 2025 | 13.41% | 13.41% | 14.32% | 9.53% | 0.78% |
| Q2 2025 | 12.96% | 12.96% | 13.86% | 9.28% | 0.90% |
| Q3 2025 | 13.19% | 13.19% | 14.10% | 9.46% | 0.96% |
| Q4 2025 | 12.73% | 12.73% | 13.61% | 9.27% | 0.90% |
| Q1 2026 | 12.89% | 12.89% | 13.73% | 9.41% | 0.83% |
| Q2 2026 | 13.01% | 13.01% | 13.90% | 9.43% | 0.89% |
BankUnited, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock BankUnited, N.A., 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 BankUnited, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58979) · FFIEC NIC profile (RSSD 3938186)