City National Bank of Florida
City National Bank of Florida is an FDIC-insured commercial bank headquartered in Miami, FL, supervised by the OCC, with $29.11B in total assets at Q2 2026, up 7.6% from Q2 2025, the 5th largest of 81 banks headquartered in Florida. It was established in 1970 and holds FDIC certificate 20234. Its CET1 capital ratio was 14.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
Also written as CNB of Florida
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 20234
- Headquarters
- Miami, FL
- Established
- 1970
- Total assets, Q2 2026
- $29.11B
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 14.65%
- Domestic offices
- 30 · City National Bank of Florida branches FDIC institution directory, current count
- Routing number
- 066004367
- Safety and soundness
- Is City National Bank of Florida safe?
- Latest call report
- Q2 2026, FFIEC 041 · City National Bank of Florida call report
- Holding company
- BCI FINANCIAL GROUP, INC.
- Asset rank in state
- 5th of 81 in Florida
City National Bank of Florida, based in Miami, Florida, reported $29.1 billion in assets at June 30, 2026, up 7.6% from a year earlier. It holds about half of its deposits (51%) above the FDIC insurance limit, higher than about three-quarters of the 124 banks with $10 billion to $100 billion in assets (median 38.6%). On the other hand, it spends about 42 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $93 million, 41% above the same quarter a year earlier. Over the same year, loans grew 7.7% and deposits grew 2.7%. Its margin is thin by comparison: it keeps 2.92 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, City National Bank of Florida reported a CET1 capital ratio of 14.65%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.81% and a Texas ratio of 6.76%. The figures come from its call report filed with the FFIEC.
City National Bank of Florida ranks as the 5th largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $29.11B, loans rose 1.1% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.4% of total loans, ahead of 1-4 family residential loans at 21.8%. Its 30 offices in the FDIC Summary of Deposits are in 19 cities in FL; its Coral Gables office books 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, City National Bank of Florida meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 25 W Flagler St, Miami, FL 33130
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 12, 1970
- Former names
- City National Bank of Hallandale (1972-1983)
- Domestic offices
- 30 FDIC institution directory, current count
- Employees (FTE)
- 1,172
- Domestic deposits
- $22.11B
- Allowance for credit losses
- $224.6M
- Net charge-offs (YTD)
- $8.9M
- Average total assets
- $29.08B
- Average total loans
- $20.33B
- Average interest-bearing deposits
- $22.81B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 12, 1970
- FDIC Cert
- 20234
- Fed RSSD
- 814430
- Website
- www.citynational.com →
- Parent Holding Company
- BCI FINANCIAL GROUP, INC. (RSSD 3762457)
- Ultimate Parent
- EMPRESAS JUAN YARUR SPA (RSSD 2833891)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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
From Q3 2023 to Q2 2026, City National Bank of Florida's total assets ranged from $26.04B (Q3 2023) to $29.11B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$29.11B total assets against $27.06B; $26.03B total liabilities against $24.37B.
$20.38B net loans and leases against $18.93B; $22.11B total deposits against $21.53B.
$6.50B securities against $6.38B; $702.2M cash and balances due against $350.6M.
$359.6M total interest income against $338.3M; $155.0M total interest expense against $170.9M.
$204.6M net interest income against $167.4M.
$35.7M total noninterest income against $30.7M; $105.9M total noninterest expense against $96.4M.
$8.6M provision for credit losses against $13.4M.
$93.4M net income against $66.0M.
1.28% return on assets against 0.95%; 2.92% net interest margin against 2.51%.
14.65% CET1 capital ratio against 14.41%; 11.38% tier 1 leverage ratio against 10.69%.
Inside the full City National Bank of Florida 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.
City National Bank of Florida rankings
Its closest position to the top of a national ranking is 71 of 4,196, for total assets; its furthest is 1,794 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.36% (Q3 2024) to 1.28% (Q2 2026) and its net interest margin ran from 2.06% (Q3 2024) to 2.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.65% | 1.28% | 0.81% | 6.76% | 2.92% |
| Q1 2026 | 14.39% | 1.18% | 0.86% | 7.21% | 2.86% |
| Q4 2025 | 14.38% | 1.00% | 0.94% | 6.52% | 2.83% |
| Q3 2025 | 14.21% | 0.97% | 1.05% | 7.52% | 2.61% |
| Q2 2025 | 14.41% | 0.95% | 0.66% | 5.00% | 2.51% |
| Q1 2025 | 14.10% | 0.80% | 0.66% | 5.14% | 2.43% |
| Q4 2024 | 14.07% | 0.68% | 0.71% | 5.55% | 2.31% |
| Q3 2024 | 14.11% | -0.36% | 0.64% | 4.99% | 2.06% |
Swipe the table sideways to see every column.
Branch Network
View all 30 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 |
|---|---|---|---|
| Coral Gables Branch | Coral Gables , FL | 33134 | $12.64B |
| Brickell Branch | Miami , FL | 33131 | $2.48B |
| Palm Beach Banking Center Branch | Palm Beach Gardens , FL | 33418 | $1.23B |
| Las Olas Branch | Fort Lauderdale , FL | 33301 | $866.1M |
| Central Florida Branch | Orlando , FL | 32801 | $717.7M |
| 41st Street Branch | Miami Beach , FL | 33140 | $666.2M |
| South Miami Branch | Miami , FL | 33143 | $416.8M |
| West Miami Branch | West Miami , FL | 33144 | $401.9M |
| Doral Branch Office | Doral , FL | 33172 | $389.0M |
| Kendall Branch | Miami , FL | 33176 | $323.2M |
| Boca Del Mar | Boca Raton , FL | 33433 | $218.2M |
| City National Bank of Florida (main office) | Miami , FL | 33130 | $185.8M |
| Pompano Beach Branch | Pompano Beach , FL | 33062 | $184.6M |
| North Miami Branch | North Miami , FL | 33181 | $179.7M |
| Delray Beach Branch | Delray Beach , FL | 33483 | $168.9M |
| South Beach Branch | Miami Beach , FL | 33139 | $159.6M |
| Miami Beach Branch | Miami Beach , FL | 33141 | $122.2M |
| Pinecrest Branch | Miami , FL | 33156 | $116.1M |
| London Square Banking Center | Miami , FL | 33186 | $114.6M |
| Galloway Banking Center | Miami , FL | 33173 | $108.7M |
| Hialeah Branch Office | Hialeah , FL | 33012 | $108.3M |
| Palmetto Bay Branch | Palmetto Bay , FL | 33157 | $63.8M |
| Aventura Branch | Aventura , FL | 33180 | $59.5M |
| Coral Springs Branch | Coral Springs , FL | 33071 | $58.2M |
| Bird Road Branch | Miami , FL | 33155 | $47.9M |
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 |
|---|---|---|---|
| October 10, 2020 | Structure Change | Acquired Executive National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2020 | M&A | Acquired Executive National Bank merger for the acquired bank | SEC |
| October 9, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 16, 2018 | Structure Change | Acquired TotalBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 16, 2018 | M&A | Acquired TotalBank merger for the acquired bank | SEC |
| June 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1987 | M&A | Acquired City National Bank of Miami merger for the acquired bank | SEC |
| June 1, 1987 | Structure Change | Acquired City National Bank of Miami Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 19, 2010, OCC: Formal Agreement: City National Bank of Florida
- Period: Most recent institution action April 19, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.5% of deposits in FL, rank 9 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,808 applications, 1,198 loans originated, $1.30B originated, across 27 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 127 loans, $85.0M approved, $669K 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).
- Not on file
- Consumer complaints, 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 City National Bank of Florida
What are City National Bank of Florida's total assets?
As of the Q2 2026 filing, City National Bank of Florida reported total assets of $29.11 billion in its FFIEC call report.
Where is City National Bank of Florida headquartered?
It is headquartered in Miami, FL, United States.
When was City National Bank of Florida founded?
It was established in 1970, per the FDIC institution directory.
Is City National Bank of Florida FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates City National Bank of Florida?
City National Bank of Florida's primary federal regulator is the OCC.
What is City National Bank of Florida's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does City National Bank of Florida operate?
It operates 30 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is City National Bank of Florida's Texas Ratio?
Its Texas Ratio is 6.76% 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 City National Bank of Florida previously called?
The charter now named City National Bank of Florida has also operated as City National Bank of Hallandale (1972-1983), per FDIC structure-change records.
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