City National Bank of Florida
Miami, Florida, Miami-Dade County
$29.1B in total assets, the 75th largest of 4,309 US banks and 5th of 84 headquartered in Florida.
- FDIC certificate
- 20234
- Established
- 1970
- Owned by
- Empresas Juan Yarur Spa
- Primary regulator
- OCC
- Website
- www.citynational.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $29.1B | 68% | $22.4B | |
| Loans | $20.6B | 68% | $14.4B | |
| Deposits | $22.1B | 63% | $18.0B | |
| Return on assets | 1.13% | 34% | 1.30% | |
| Net interest margin | 2.97% | 19% | 3.62% | |
| Efficiency ratio | 43.2% | 16% | 55.2% | |
| Equity to assets | 10.60% | 33% | 11.60% | |
| Loans to deposits | 93% | 76% | 87% |
Growth
Total assets grew 7.5% a year over the last 5 years and 14.9% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2020 | Executive National Bank Miami, FL | $512M |
| Jun 2018 | TotalBank Miami, FL | $3.0B |
| May 1987 | City National Bank of Miami Miami, FL | $486M |
Where they operate
30 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $18.6B | 8.8% | 3 of 58 |
| Palm Beach County, FL | $1.6B | 2.4% | 9 of 56 |
| Broward County, FL | $1.2B | 1.6% | 14 of 43 |
| Orange County, FL | $733M | 1.7% | 14 of 40 |
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 4 branches since 2016 (26 to 30, +15.4%). 2 opened, 20 acquired, 18 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 26 | |||
| 2018 | Acquired TotalBankClosed 13 in Florida | 19 | 13 | +6 | 32 |
| 2020 | Acquired Executive National Bank | 1 | 0 | +1 | 33 |
| 2023 | Closed Miami | 0 | 1 | −1 | 32 |
| 2024 | Closed Boca Raton and Miami | 0 | 2 | −2 | 30 |
| 2025 | Opened Palm Beach Gardens | 1 | 0 | +1 | 31 |
| 2026 through Q2 | Opened OrlandoClosed Miami | 1 | 2 | −1 | 30 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 25% | |
| 1-4 family residential | 22% | 21% | |
| Business (C&I) | 15% | 17% | |
| Construction and land | 8% | 6% | |
| Multifamily | 7% | 8% | |
| Consumer | 0% | 10% | |
| Other | 10% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 65% | 62% | |
| Noninterest-bearing | 23% | 20% | |
| Time deposits | 11% | 18% |
Brokered deposits are 5.4% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.81% | 0.63% |
| Net charge-offs, annualized | 0.09% | 0.14% |
| Reserves to loans | 1.09% | 1.15% |
| Leverage ratio | 11.38% | 10.25% |
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/city-florida