Pibank, N.A. — Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter — CET1 ratio of 12.72% was down 201bps from the prior quarter. Pibank, N.A. is a community bank chartered in 1984, based in Miami, FL. Pibank's Q1 2026 balance sheet shows $2.0B in assets funded primarily by $1.8B in customer deposits. Earnings turned negative this period, with ROA at -0.47%. Capital is comfortably above regulatory requirements — CET1 ratio of 12.72% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine — 0.43% NPLs and a 2.10% Texas Ratio. It operates 2 branches, primarily in Florida.
Headquarters Profile
- Address
- 860 Nw 42nd Ave , MIAMI , FL 33126
- 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
- Fed District
- 5
- Established
- July 2, 1984
- Branches
- 2 domestic
- Employees (FTE)
- 137
- FDIC Cert
- 25258
- Fed RSSD
- 44433
- Website
- www.intercreditbank.com →
Profitability
Capital & Liquidity
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Watch 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.
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.
Pibank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2026-03-31 | 12.72% | -0.47% | 0.43% | 2.10% | 1.81% |
| 2025-12-31 | 14.72% | -1.60% | 0.50% | 2.71% | 2.10% |
| 2025-09-30 | 16.48% | -0.38% | 0.53% | 2.61% | 2.24% |
| 2025-06-30 | 17.59% | -0.42% | 0.50% | 2.64% | 2.17% |
| 2025-03-31 | 19.04% | -0.82% | 0.57% | 2.66% | 1.99% |
| 2024-12-31 | 15.62% | -0.48% | 0.60% | 3.57% | 2.08% |
| 2024-09-30 | 13.99% | -2.38% | 0.70% | 5.22% | 2.17% |
| 2024-06-30 | 14.71% | -1.80% | 0.79% | 5.94% | 2.18% |
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 5 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Intercredit Bank, National Association | Coral Gables , FL | 33134 | $846.0M |
| Doral Branch | Doral , FL | 33178 | $77.7M |
| Eighth Street Branch | Miami , FL | 33134 | $69.1M |
| Bird Road Branch | Miami , FL | 33165 | $68.0M |
| South Miami Branch | Coral Gables , FL | 33146 | $28.1M |
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Frequently asked about Pibank, N.A.
What are Pibank, N.A.'s total assets?
As of the Q1 2026 filing, Pibank, N.A. reported total assets of $2.03 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pibank, N.A. headquartered?
Pibank, N.A. is headquartered in MIAMI, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pibank, N.A. founded?
Pibank, N.A. was established in 1984, per the FDIC institution directory.
Is Pibank, N.A. FDIC-insured?
Yes. Pibank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #25258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pibank, N.A.?
Pibank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pibank, N.A.'s CET1 capital ratio?
Pibank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its most recent quarterly filing — above regulatory requirements.
How many branches does Pibank, N.A. operate?
Pibank, N.A. operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Pibank, N.A.'s Texas Ratio?
Pibank, N.A.'s Texas Ratio is 2.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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