City National Bank of Florida: 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 dropped 4.94 percentage points in Q2 2026, from 106.91% to 101.97%. It was the largest change from Q1 2026 among the key lines here. Within Florida, City National Bank of Florida is 25th of 79 on return on assets, 1.28% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets; City National Bank of Florida reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.65% |
| Tier 1 risk-based capital ratio | 14.65% |
| Total risk-based capital ratio | 15.75% |
| Tier 1 leverage ratio | 11.38% |
| Equity capital to assets | 10.60% |
| Tangible equity to tangible assets | 10.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.94% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 8.42% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 101.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 12.30% |
| Net interest margin | 2.92% |
| Efficiency ratio | 42.17% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.21% |
| Core deposits to total deposits | 89.85% |
| Brokered deposits to total deposits | 5.37% |
| Deposits to assets | 75.93% |
| Securities to assets | 22.31% |
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 | 13.22% | 13.22% | 14.03% | 9.47% | 0.63% |
| Q4 2023 | 13.93% | 13.93% | 14.72% | 9.90% | 0.17% |
| Q1 2024 | 14.22% | 14.22% | 15.05% | 10.01% | 0.52% |
| Q2 2024 | 14.01% | 14.01% | 14.89% | 10.30% | 0.47% |
| Q3 2024 | 14.11% | 14.11% | 15.10% | 10.34% | -0.36% |
| Q4 2024 | 14.07% | 14.07% | 15.08% | 10.57% | 0.68% |
| Q1 2025 | 14.10% | 14.10% | 15.14% | 10.52% | 0.80% |
| Q2 2025 | 14.41% | 14.41% | 15.51% | 10.69% | 0.95% |
| Q3 2025 | 14.21% | 14.21% | 15.35% | 10.82% | 0.97% |
| Q4 2025 | 14.38% | 14.38% | 15.48% | 10.94% | 1.00% |
| Q1 2026 | 14.39% | 14.39% | 15.48% | 11.22% | 1.18% |
| Q2 2026 | 14.65% | 14.65% | 15.75% | 11.38% | 1.28% |
City National Bank of Florida vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock City National Bank of Florida, 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 City National Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20234) · FFIEC NIC profile (RSSD 814430)