| Metric | BankMiami | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +294.0% | +4.4% | +289.6 pts |
| Deposit growth (YoY) | +547.3% | +4.0% | +543.4 pts |
| Loan growth (YoY) | +664.9% | +5.6% | +659.4 pts |
| ROA | -0.71% | 1.24% | -1.9 pts |
| ROE | -5.2% | 11.9% | -17.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $317.9M | $280.8M | $98.5M | $34.9M | $-921K | -0.71% | 2.54% | 0.00% |
| Q1 2026 | $279.3M | $242.1M | $76.1M | $35.3M | $-474K | -0.82% | 2.50% | 0.00% |
| Q4 2025 | $183.3M | $145.8M | $67.1M | $35.6M | $-3.1M | -2.80% | 2.16% | 0.00% |
| Q3 2025 | $140.9M | $104.2M | $36.0M | $36.3M | $-2.4M | -3.61% | 2.01% | 0.00% |
| Q2 2025 | $80.7M | $43.4M | $12.9M | $37.0M | $-1.6M | -5.29% | 1.78% | 0.00% |
| Q1 2025 | $40.5M | $2.6M | $0 | $37.8M | $-851K | -8.41% | 0.63% | 0.00% |
Loan mix (Q2 2026): real estate $90.8M · commercial $8.6M · consumer $0 · securities $10.5M
| Ratio | BankMiami | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.71% | 1.24% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -5.2% | 11.9% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.54% | 3.96% | 3rd | |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
| 125.3% |
| 62.9% |
99th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | BankMiami | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | BankMiami | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | BankMiami | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | BankMiami | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | BankMiami | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $280.8M branch deposits. Biggest market: Miami-Dade, FL, ranked 52nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Miami-Dade, FL | 1 | $280.8M | 0.13% | 52nd |
Florida: 158th with 0.03% · Miami-Fort Lauderdale-West Palm Beach metro: 67th, 0.08% ·
Branch count: 2025 1 · 2026 1
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).