Bradesco Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Bradesco Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 14.15% in Q3 2026, down 2.86 percentage points from 17.01% in Q3 2025. Across the 12 quarters shown it ranged from 13.93% (Q2 2026) to 18.30% (Q2 2024).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 114.57 percentage points higher than in Q2 2026, at 743.63%. Bradesco Bank ranks 54th of 81 Florida banks on return on assets, in the lower half at 0.89% (Q3 2026). The median for banks in the $1B-10B asset tier is 1.30% on return on assets. Bradesco Bank sits 0.41 points lower, at 0.89% (Q3 2026).
Capital adequacy
Tier 1 leverage ratio moved most in this table, down 0.20 points: 10.09% in Q2 2026, 9.89% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 14.15% |
| Tier 1 risk-based capital ratio | 14.15% |
| Total risk-based capital ratio | 15.21% |
| Tier 1 leverage ratio | 9.89% |
| Equity capital to assets | 9.99% |
| Tangible equity to tangible assets | 9.99% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.13% |
| Nonperforming assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.05% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of nonperforming loans | 743.63% |
Earnings
Largest change in this table: net interest margin, down 0.06 points to 2.83% in Q3 2026 after 2.89% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.89% |
| Return on equity | 9.15% |
| Net interest margin | 2.83% |
| Efficiency ratio | 61.89% |
| Yield on earning assets | 5.70% |
| Cost of funds | 2.96% |
Liquidity and funding
Loan-to-deposit ratio changed the most here, up 10.46 points to 101.73% in Q3 2026 from 91.27% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 101.73% |
| Core deposits to total deposits | 55.83% |
| Brokered deposits to total deposits | 17.43% |
| Deposits to assets | 78.37% |
| Securities to assets | 7.58% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 18.02% | 18.02% | 19.06% | 12.75% | 0.56% |
| Q1 2024 | 18.29% | 18.29% | 19.41% | 11.95% | 0.74% |
| Q2 2024 | 18.30% | 18.30% | 19.40% | 12.23% | 0.79% |
| Q3 2024 | 18.05% | 18.05% | 19.19% | 11.71% | 0.75% |
| Q4 2024 | 17.10% | 17.10% | 18.19% | 10.99% | 0.73% |
| Q1 2025 | 17.06% | 17.06% | 18.20% | 10.92% | 0.96% |
| Q2 2025 | 16.66% | 16.66% | 17.80% | 10.98% | 0.96% |
| Q3 2025 | 17.01% | 17.01% | 18.17% | 10.66% | 1.02% |
| Q4 2025 | 15.89% | 15.89% | 16.99% | 10.57% | 0.94% |
| Q1 2026 | 15.34% | 15.34% | 16.46% | 10.20% | 1.09% |
| Q2 2026 | 13.93% | 13.93% | 14.95% | 10.09% | 0.92% |
| Q3 2026 | 14.15% | 14.15% | 15.21% | 9.89% | 0.89% |
Bradesco Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Bradesco Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 21265) · FFIEC NIC profile (RSSD 725732)