# BRADESCO BANK
CORAL GABLES, FL · FDIC certificate 21265 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.10B | |
| Deposits | $5.00B | |
| Loans and leases | $4.57B | |
| Total equity | $605.5M | |
| Loans / deposits | 90.40% (p61 of band) | 87.10% |
| Liquid assets / assets | 21.46% (p51 of band) | |
| Uninsured deposits / deposits | 63.89% (p97 of band) | 30.76% |
| Brokered deposits | 9.82% | |
| Wholesale funding | 16.19% (p83 of band) | |
| FHLB advances / assets | 1.64% | |
| Tier 1 leverage | 10.09% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -1.40% (p85 of band) | -7.75% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 1.03% (p33 of band) | 1.26% |
| Net interest margin | 2.96% (p14 of band) | 3.70% |
| Efficiency ratio | 59.34% (p51 of band) | |
| Noncurrent loans | 0.15% (p19 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 629.06% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 7.01% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $171.4M (28% of equity) (p94 of band) | |
| Deposits YoY | 18.2% | |
| Employees | 339 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | brokered >10% |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | capital falling |  |
| 2013-06 | 3 |  | loans exceed deposits, capital falling |
| 2013-09 | 4 | loans exceed deposits |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 | capital falling | loans exceed deposits |
| 2014-06 | 4 | loans exceed deposits | reserve under noncurrent |
| 2014-09 | 2 |  | capital falling, loans exceed deposits |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 4 | capital falling, reserve under noncurrent |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | brokered >10% |
| 2017-12 | 2 | brokered >10% | charge-offs p90 |
| 2018-03 | 3 | capital falling |  |
| 2018-06 | 3 | uninsured deposits >50% | capital falling |
| 2018-09 | 4 | run vulnerability |  |
| 2018-12 | 3 |  | run vulnerability |
| 2019-03 | 4 | run vulnerability |  |
| 2019-06 | 3 |  | run vulnerability |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | run vulnerability |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 | reserve under noncurrent | run vulnerability |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | reserve under noncurrent |
| 2021-03 | 4 | expense ratio p90, deposits shrinking, assets shrinking | wholesale funding >15%, brokered >10% |
| 2021-06 | 2 |  | deposits shrinking, assets shrinking |
| 2021-09 | 3 | run vulnerability |  |
| 2021-12 | 3 | brokered >10%, wholesale funding >15% | expense ratio p90, run vulnerability |
| 2022-03 | 3 | capital falling | uninsured deposits >50% |
| 2022-06 | 3 | uninsured deposits >50% | capital falling |
| 2022-09 | 4 | run vulnerability |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 | capital falling | uninsured deposits >50%, run vulnerability |
| 2023-06 | 3 | NIM <2.5% | capital falling |
| 2023-09 | 5 | uninsured deposits >50%, run vulnerability |  |
| 2023-12 | 5 | capital falling | run vulnerability |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 | run vulnerability | NIM <2.5%, capital falling |
| 2024-09 | 3 |  | run vulnerability |
| 2024-12 | 5 | capital falling, NIM <2.5% |  |
| 2025-03 | 4 |  | NIM <2.5% |
| 2025-06 | 4 | run vulnerability | capital falling |
| 2025-09 | 2 |  | wholesale funding >15%, run vulnerability |
| 2025-12 | 5 | wholesale funding >15%, capital falling, run vulnerability |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 3 |  | brokered >10%, run vulnerability |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-06-13 [Florida Becomes New Battleground for Brazilian Banks Chasing High-End Clients - bloomberglinea.com](https://news.google.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?oc=5) · bloomberglinea.com
- 2019-05-06 [Brazil's Bradesco to buy Florida bank to focus on wealthy individuals - Reuters](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOU1VQVnA2Y3FGWDMwSk1zcG9DMTlPZzFEdmFWbS00eDVwN3hjSXNCdi1vaGxwU3V3QzB1UlJFbnFzMlltZ2ZHelZ1Y19WVGhLS2I3SnNXSjhtaGxXU3V1UFVUV09wWGs4bWczanR1SG04alhyMlJPRkRfRDZ0UUpsZzVtQmhtX1pDMUFzN3plaXJnN0JEQmg5R0xmY1A4VnBNblllMURzcV9VSGVwVG0zS2htNVl4ZmJydHduNE5QQ29SZw?oc=5) · Reuters
- 2025-07-25 [My eBanc offers ultra-high APYs—but can you meet the requirements? - Fortune](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5fOUJnWVBvaVQtSU0tMS1EcmVBbnF1VERaSWgyeFJtOEtqS1p6cXVfV3JkVlNicXgwQklKOVo4ZDNVZWpUQ084TTBhSGpCZnE5ZGlSNktfZw?oc=5) · Fortune
- 2026-07-13 [Bradesco targets wealthy clients with new service model - Valor International](https://news.google.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?oc=5) · Valor International
- 2024-10-14 [Latin America: The New Wealth Battleground - Global Finance Magazine](https://news.google.com/rss/articles/CBMif0FVX3lxTE84R3lfVE1uV1BDUXlMS2MyakNKcnM5djZWemtuZHA0eVpDaGJ1bXhKUTljbGxFSmhxcWF3VkNjZE1mNGVrSE9pSmJUYnBXc0NOREhvU0JQb0h6Y3dINGRUUEJhcFFEYVBnNnd0d0FBOUpLNF9FRmlqUWhvTmVVMG8?oc=5) · Global Finance Magazine
- 2023-12-20 [JPMorgan Among Winners as Latin American Wealth Flocks to Miami - AdvisorHub](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaEhzVDE3UXFZQTRSYXhKS2JFYWtScVROQzZqUzNySWk3TWxiejdFOTdYZlMzc0NINVZsWGpaSHp3TUFqOWI5Z3d6WkZNY0Y1QjM0WGdrNi1MaTZzQ2VLYzZnUEtqVE1fQVA3TTZ4U3pVMVhQZV8zYUpkSjd5TE82RGRNY01tajlGelBTS3FKRGlsVXkyYWc?oc=5) · AdvisorHub
- 2024-06-21 [Meet the 2024 Power Leaders in Banking and Finance - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQWDRLMWpTazY4bWVsQzdGMHJQU2FleHpqTFNDSEt2a0RtWFdwcDdOVEJtLV9Db3czRmttZmtjbEppM3kwd1ZLSkt6VEl5MElNWEZiYktaa1h3OWJGem5uaU0xejMxd05aci0zZTRROFFfeXhrblFzLUR0dVNtTGNReG11RVF1dXp6VS1yWWt1YmprVVFLaDREVkJnYU5Vc2I3QzRSTzRCakhzTXlG?oc=5) · The Business Journals
- 2022-12-20 [Brazil’s Bradesco Aims to Accelerate US Expansion With Minority-Stake Acquisitions - bloomberglinea.com](https://news.google.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?oc=5) · bloomberglinea.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21265 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "21265", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide