Grove Bank & Trust: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
This quarter marks the 100-year anniversary of Grove Bank & Trust's 1926 charter. Headquartered in Miami, Grove Bank & Trust serves the Florida market as a community-focused commercial bank. Total assets stand at $1.4B. Profitability runs below industry average: 0.66% ROA, 6.77% ROE, with NIM at 2.63%. Regulatory capital is solid, 15.22% CET1 and 16.47% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.01%. It operates 5 branches, primarily in Florida.
As of June 30, 2026, Grove Bank & Trust reported a CET1 capital ratio of 15.22%, a return on assets of 0.66%, a nonperforming-loan ratio of 0.01%, a Texas ratio of 0.06%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 2701 S Bayshore Dr, Miami, FL 33133
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- 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
- July 12, 1926
- Former names
- Coconut Grove Bank (1953-2017)
- Offices
- 5 domestic
- Employees (FTE)
- 121
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $12.0M
- Net charge-offs (YTD)
- $75K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8018
- Fed RSSD
- 648130
- SEC CIK
- 1505771 → filed by COCONUT GROVE BANKSHARES, INC.
- Website
- www.grovebankandtrust.com →
- Parent Holding Company
- COCONUT GROVE BANKSHARES, INC. (RSSD 2809560)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Grove Bank & Trust terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Grove Bank & Trust, 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 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Grove Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Grove Bank & Trust: Uninsured deposits.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 15.22% | 0.66% | 0.01% | 0.06% | 2.63% |
| Q1 2026 | 15.62% | 0.69% | 0.00% | 0.00% | 2.62% |
| Q4 2025 | 15.39% | 0.66% | 0.00% | 0.00% | 2.68% |
| Q3 2025 | 15.35% | 0.81% | 0.00% | 0.00% | 2.56% |
| Q2 2025 | 14.87% | 0.48% | 0.00% | 0.00% | 2.45% |
| Q1 2025 | 14.86% | 0.35% | 0.00% | 0.00% | 2.18% |
| Q4 2024 | 15.19% | 0.43% | 0.00% | 0.00% | 2.29% |
| Q3 2024 | 16.85% | 0.26% | 0.00% | 0.00% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Grove Bank & Trust (main office) | Miami , FL | 33133 | $624.6M |
| South Miami Branch | South Miami , FL | 33143 | $181.2M |
| Aventura Branch | Aventura , FL | 33180 | $167.5M |
| Palmetto Bay Branch | Miami , FL | 33176 | $117.6M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $115.3M |
Regulatory record
What the public regulatory sources show for Grove Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- March 17, 2010, Federal Reserve: Written Agreement: Coconut Grove Bank, Miami, Florida
- Period: Most recent institution action March 17, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in FL, rank 60 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Grove Bank & Trust
What are Grove Bank & Trust's total assets?
As of the Q2 2026 filing, Grove Bank & Trust reported total assets of $1.41 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Grove Bank & Trust headquartered?
Grove Bank & Trust is headquartered in Miami, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Grove Bank & Trust founded?
Grove Bank & Trust was established in 1926, per the FDIC institution directory.
Is Grove Bank & Trust FDIC-insured?
Yes. Grove Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #8018). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Grove Bank & Trust?
Grove Bank & Trust's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Grove Bank & Trust's CET1 capital ratio?
Grove Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 15.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Grove Bank & Trust operate?
Grove Bank & Trust 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 Grove Bank & Trust's Texas Ratio?
Grove Bank & Trust's Texas Ratio is 0.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Grove Bank & Trust previously called?
The charter now named Grove Bank & Trust has also operated as Coconut Grove Bank (1953-2017), per FDIC structure-change records.
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