Bankmiami
Coral Gables, FL·RSSD 5906497·FDIC 59354·bank:5906497·Risk-based ratios where reported
- #57 of 85Total assets in Florida
- 1offices
- 28employees
- #2 of 4,106Deposit growth in the U.S.
- Top 4%Loan quality vs. peers
Performance over time
6 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Bankmiami
10 of 22 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Margin squeezed by funding costsWorth a look: Earnings FORFI signal2.51%peers 3.99%-148 bps
Bankmiami's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 2.51% | 3.99% | -148 bps |
| Cost of all deposits | ||
| 2.40% | 1.80% | +60 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bankmiami itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter11.43%peers 10.81%+0.6 pp
Bankmiami's leverage ratio fell 57.1 percentage points over the past year to 11.43%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 11.43% | 10.81% | +0.6 pp |
| 12-month change | ||
| -57.1 pp | +0.2 pp | -57.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bankmiami itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding+547.3%peers +4.3%+543.1 pp
Bankmiami's deposits grew 547.3% over the past year to $281 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +547.3% | +4.3% | +543.1 pp |
| Deposits | ||
| $281 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bankmiami itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+664.2%peers +5.5%+658.6 pp
Bankmiami's loans grew 664.2% over the past year to $99.4 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +664.2% | +5.5% | +658.6 pp |
| Loans | ||
| $99.4 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bankmiami itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+294.0%peers +4.7%+289.3 pp
Bankmiami's total assets grew 294.0% over the past year to $318 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +294.0% | +4.7% | +289.3 pp |
| Total assets | ||
| $318 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bankmiami itself is left out of every peer median and percentile. How signals work
5 more observations
- Return on assets rising faster than peersEarnings
- Deposit costs rising while the peer median fallsFunding
- Net interest margin narrowing while the peer median widensEarnings
- Noninterest-bearing deposit share rising while the peer median fallsFunding
- Fee and other noninterest income among the lowest of similar banksEarnings
Key facts
- Bankmiami is a bank headquartered in Coral Gables, Florida. It reported $318 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $281 million, up 547.3% from a year earlier, and loans totaled $99.4 million, up 664.2%.
- Its net interest margin was 2.51% and its annualized return on assets was -0.60% for the quarter.
- Its cost of all deposits was 2.40%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Bankmiami's own data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Bankmiami · Bank
- Federal Reserve RSSD
- 5906497
- FDIC certificate
- 59354
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Bankmiami itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$447K | — | |
| $3.37M | — | |
| $1.56M | — | |
| $1.8M | — | |
| $49K | — | |
| $2.16M | — | |
| $202K | — | |
| $264K | — | |
| -0.60% | -0.60%ROAQ · Quarter | |
| 2.51% | 2.50%NIMYQ · Quarter | |
| 116.48% | 116.48%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.