BankMiami
Coral Gables, Florida, Miami-Dade County
$318M in total assets, the 2,422nd largest of 4,309 US banks and 57th of 84 headquartered in Florida.
- FDIC certificate
- 59354
- Established
- 2025
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- WWW.BANKMIAMI.COM
At a glance
Compared with 43 banks headquartered in Florida with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $318M | 44% | $358M | |
| Loans | $99M | 14% | $243M | |
| Deposits | $281M | 46% | $294M | |
| Return on assets | -1.22% | 2% | 0.90% | |
| Net interest margin | 2.54% | 2% | 3.82% | |
| Efficiency ratio | 125.3% | 98% | 68.3% | |
| Equity to assets | 10.99% | 63% | 9.62% | |
| Loans to deposits | 35% | 2% | 77% |
Growth
BankMiami has filed financial reports for 6 quarters, too few for 5-year growth figures.
Where they operate
1 branch in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $281M | 0.1% | 46 of 58 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (0 to 1). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 0 | |||
| 2025 | Opened Coral Gables | 1 | 0 | +1 | 1 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 41% | |
| 1-4 family residential | 31% | 32% | |
| Construction and land | 18% | 8% | |
| Business (C&I) | 9% | 10% | |
| Multifamily | 2% | 3% | |
| Farmland | 0% | 2% | |
| Consumer | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 83% | 46% | |
| Noninterest-bearing | 15% | 31% | |
| Time deposits | 2% | 23% |
Brokered deposits are 0.0% of deposits (peers 5.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.06% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 0.90% | 1.25% |
| Leverage ratio | 11.43% | 10.46% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Miami-dade County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/bankmiami