Terrabank, N.A.
Terrabank, N.A. is an FDIC-insured commercial bank headquartered in Miami, FL, supervised by the OCC, with $969.8M in total assets at Q3 2026, up 16.7% from Q3 2025, the 34th largest of 81 banks headquartered in Florida. It was established in 1985 and holds FDIC certificate 26442. Its CET1 capital ratio was 9.95% at Q3 2026, above the 7% level required once the capital conservation buffer is included.
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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
- 26442
- Headquarters
- Miami, FL
- Established
- 1985
- Total assets, Q3 2026
- $969.8M
- Assets vs Q3 2025
- +16.7%
- CET1 ratio, Q3 2026
- 9.95%
- Domestic offices
- 5 branches
- Routing number
- 066012333
- Safety and soundness
- Is Terrabank, N.A. safe?
- Latest call report
- Q3 2026, FFIEC 051 · Terrabank, N.A. call report
- Asset rank in state
- 34th of 81 in Florida
Terrabank, N.A. operates with a thinner capital cushion than most banks of its size. It reported $970 million in assets at September 30, 2026, up 16.7% from a year earlier. It holds common equity equal to 9.95% of its risk-weighted assets, lower than about 9 in 10 of the 2,623 banks with $100 million to $1 billion in assets (median 15.38%). It also holds commercial real estate loans worth 3.9 times its capital, about triple the median of 1.2 times for banks its size. It has also been growing, with assets up 16.7% in a year.
Delinquency has appeared in its $129 million multifamily book: 2.13% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 28% from a year earlier, to $2.4 million. One more trend to watch: loans are outrunning deposits: over the year loans rose 21.6% and deposits rose 14.9%.
As of September 30, 2026, Terrabank, N.A. reported a CET1 capital ratio of 9.95%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Terrabank, N.A. is the 34th largest of the 81 banks headquartered in Florida. Between Q2 2026 and Q3 2026, its total assets rose 8.0% to $969.8M, loans rose 8.2% and deposits rose 8.9%. Non-owner-occupied commercial real estate loans made up 34.1% of its total loans on September 30, 2026, its largest category; next came 1-4 family residential loans at 32.0%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in FL; its Miami office books 82% of its branch deposits. On its Q3 2026 call report, Terrabank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Alhambra Plz, Miami, FL 33134
- 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
- —
- Call Report form
- FFIEC 051
- Established
- November 21, 1985
- Domestic offices
- 5 branches
- Employees (FTE)
- 131
- Domestic deposits
- $862.2M
- Allowance for credit losses
- $8.5M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $953.0M
- Average total loans
- $630.8M
- Average interest-bearing deposits
- $356.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 21, 1985
- FDIC Cert
- 26442
- Fed RSSD
- 238737
- Website
- www.terrabank.com →
Profitability
Q3 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Terrabank, N.A.'s total assets moved between a low of $762.0M (Q4 2023) and a high of $969.8M (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$969.8M total assets against $831.3M; $890.3M total liabilities against $758.7M.
$646.6M net loans and leases against $531.5M; $862.2M total deposits against $750.5M.
$153.1M securities against $189.2M; $115.2M cash and balances due against $78.4M.
$11.0M total interest income against $9.0M; $2.4M total interest expense against $2.0M.
$8.7M net interest income against $7.0M.
$1.6M total noninterest income against $1.6M; $6.8M total noninterest expense against $5.8M.
$218K provision for credit losses against $293K.
$2.4M net income against $1.9M.
0.99% return on assets against 0.88%; 3.83% net interest margin against 3.42%.
9.95% CET1 capital ratio against 10.87%; 9.26% tier 1 leverage ratio against 9.72%.
Inside the full Terrabank, N.A. 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Terrabank, N.A. rankings
Its closest position to the top of a national ranking is 1,073 of 4,193, for total assets; its furthest is 1,990 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.67% (Q1 2026) to 1.20% (Q4 2025) and its net interest margin ran from 2.92% (Q4 2024) to 3.83% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 9.95% | 0.99% | 0.07% | 0.54% | 3.83% |
| Q2 2026 | 10.40% | 0.76% | 0.11% | 0.75% | 3.66% |
| Q1 2026 | 10.73% | 0.67% | 0.03% | 0.22% | 3.46% |
| Q4 2025 | 10.93% | 1.20% | 0.03% | 0.23% | 3.49% |
| Q3 2025 | 10.87% | 0.88% | 0.03% | 0.23% | 3.42% |
| Q2 2025 | 10.80% | 0.80% | 0.03% | 0.24% | 3.24% |
| Q1 2025 | 11.15% | 0.80% | 0.09% | 0.68% | 3.24% |
| Q4 2024 | 10.85% | 0.71% | 1.01% | 8.16% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Way Banking Center Branch | Miami , FL | 33145 | $651.7M |
| Doral Banking Center Branch | Doral , FL | 33172 | $87.9M |
| Sunset Banking Center Branch | Coral Gables , FL | 33143 | $39.7M |
| Hialeah Banking Center Branch | Hialeah , FL | 33012 | $12.1M |
| Terrabank, N.A. (main office) | Coral Gables , FL | 33134 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 12 against individuals associated with it
- May 9, 2006, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Terrabank National Association
- November 15, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Terrabank National Association
- May 7, 1991, OCC: Formal Agreement: Terrabank, National Association
- Period: Most recent institution action May 9, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 71 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 79 applications, 61 loans originated, $43.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $860K approved, $430K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Terrabank, N.A.
What are Terrabank, N.A.'s total assets?
As of the Q3 2026 filing, Terrabank, N.A. reported total assets of $969.8 million in its FFIEC call report.
Where is Terrabank, N.A. headquartered?
It is headquartered in Miami, FL, United States.
When was Terrabank, N.A. founded?
It was established in 1985, per the FDIC institution directory.
Is Terrabank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Terrabank, N.A.?
Terrabank, N.A.'s primary federal regulator is the OCC.
What is Terrabank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.95% in its Q3 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Terrabank, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Terrabank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.54% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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