# BANCO DO BRASIL AMERICAS
MIAMI, FL · FDIC certificate 26725 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $3.47B | |
| Deposits | $3.09B | |
| Loans and leases | $2.19B | |
| Total equity | $373.3M | |
| Loans / deposits | 69.92% (p16 of band) | 87.10% |
| Liquid assets / assets | 36.33% (p85 of band) | |
| Uninsured deposits / deposits | 30.51% (p49 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.02% (p14 of band) | |
| FHLB advances / assets | 0.02% | |
| Tier 1 leverage | 10.90% (p58 of band) | 10.50% |
| Unrealized securities loss / equity | -7.75% (p50 of band) | -7.75% |
| AOCI / equity | -1.84% (p5 of band) | |
| ROA (annualized) | 1.57% (p72 of band) | 1.26% |
| Net interest margin | 3.83% (p58 of band) | 3.70% |
| Efficiency ratio | 49.94% (p24 of band) | |
| Noncurrent loans | 0.83% (p67 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p44 of band) | |
| Reserve coverage of noncurrent | 158.42% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 30.00% (p30 of band) | |
| Auto loans | $2.5M (0.11% of loans; DQ 0.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 291 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 8 | capital falling |  |
| 2011-12 | 9 | liquid assets <10% |  |
| 2012-03 | 6 | deposits shrinking, uninsured deposits leaving | leverage <7%, leverage <5%, capital falling, liquid assets <10% |
| 2012-06 | 4 | NIM <2.5% | expense ratio p90, noncurrent p90, reserve under noncurrent |
| 2012-09 | 3 |  | uninsured deposits leaving |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | expense ratio p90, assets shrinking |  |
| 2013-06 | 6 | capital falling |  |
| 2013-09 | 3 |  | deposits shrinking, assets shrinking, capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | capital falling | NIM <2.5% |
| 2014-06 | 1 |  | losing money, expense ratio p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2015-09 | 2 |  | losing money |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | losing money |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | losing money |  |
| 2016-12 | 2 |  | losing money |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | capital falling | expense ratio p90 |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | expense ratio p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 2 | expense ratio p90 |  |
| 2022-06 | 3 | leverage <7% |  |
| 2022-09 | 0 |  | capital falling, expense ratio p90, leverage <7% |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2016-08-02 [Brazilian bank plans to expand beyond South Florida - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPaWF2LUdEZ1RVX05WUDhndm54QnBzbnNWOHRiMHJpbnBtd0xzNnZLTlZaZmQyemNjeUNJRkhNMnQyTndGcnRfVl9mMFNNVDlRVk9mVTVxc3MtZDlEamtfSExjYURPYjltT3gxYkx5Y2E4SHcxZzhMMy1Ga1A5MzNQN3loZlJIMU9sVmRZN1U3Ynh1ZVJHa1o4N1ZSSDZWT2VrYVViVjRRTlU5LURneDRpQTJn?oc=5) · The Business Journals
- 2014-09-09 [Banco do Brasil Americas opens new branch in Doral - communitynewspapers.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOWW1XcnlJbkRNZmVqNjRiTTVRRy1PcFh4dHBRR09yLUlSTWE4MjFaalFaZVBsMWl3SXpqWnl0ci1FSldFX1pqRTl4ajRjaE9GcEtPRnZJb09BRm81Q0NTM2NKWFRkSGFzbTFCaUtZLU5iOUxkMVRxUGdaWTc1T0tGNmliYjhqVlJRaUFEaDhERlNUUnJM?oc=5) · communitynewspapers.com
- 2024-09-24 [Carlos Vezzelli Appointed as SVP, Head of People Experience at Banco do Brasil Americas - hrtoday.in](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPV0NzNEY1aG9ORUgyNnp3TFYxY09QbERQLWJFamUySW44UHVXR3NtWjVUM2o0ZEtnd21ZeGtZQi1mV1Z0YWZFSFd2YXJfLUJRZXpScnU3V0pHSlItRVY4MkU0dVBKZjZfSW5udlFVM2RmampYSTZIU1dnZW54aDJYaWZvVWVVY2ozSVRNNHJiWXNXSVl1eUQ0S0RjZFNmRXJGdzdDaU9LekxqQQ?oc=5) · hrtoday.in
- 2016-10-19 [BB Americas' Antonio Cassio Segura on climbing the banking ladder - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSUlaV2w4cmFYQU0tYkVlUkxib0JjdUowV1RoczhhcXI2ZXNWN0t5RjBtS281aFJDMUdDLUN2b3dRRmdqc1pnb045OUJQY2Z4UnZSUjh5Y2pfSlhwRjZ2bV81bHMtNHhuTHJROXljdVRQWlNxOXV3bVIyWnEtMUZIZmJnVy0zaUppVDEwVlBqd0w0ZDdSS1hJWU11azNEZC0tZUdyWVJtVDFlUW8?oc=5) · The Business Journals
- 2021-09-30 [Terrabank Promotes Maria Isabel Blanco to SVP, Director of Residential Lending - citybiz](https://news.google.com/rss/articles/CBMitwFBVV95cUxObUNsQzFITExKUTlOdXFUUnlxUzNfSFJsSnJLN3o0MHlYbHJKbXU2QXFOYUNaSmMySFZJaXJvM25SRUxtLTFlblRjb0RITHdIUFRidnV2ZEZhVDhab1RNWGliZEpzU3hRQVRVSnBEVkxTMDliWGZmcWRGOTJqU2daOTc5LWJUREUtalZRNWtJQ2dJRklkTDFVN01yU05lcWNHUGVrR3dVZVdlbXBVMThmR3Z5ZEl5aXM?oc=5) · citybiz
- 2015-03-26 [Banco do Brasil expanding in South Florida to meet growing demand - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxNRG1pcG50T0ZMZUFtYkxqcm1lQXFpTWQ3bHRUWkF1SjJHa182cE8xU3U1bEhUY3cxMjhGSjB2X1BvLV9QM084RDI2UTRnNnUwZGZZbGJIWXNpVy1DYTdxV0dNRFEtWFJMU0wzYkRrMnExeUowRGNnQVZKTEc1b1dFSWxBV0UzRWhVaGJoZWM1cklTVTNuYVRlM2taN2QxbWZOYmh5d3VrMWM0TThCeGFsbUNn?oc=5) · The Business Journals
- 2016-09-22 [Bank launches Romero Britto-branded cards - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQUWZEQnRIRFhNb3hIZEYyRThsdE9rSHVqZ1RlYm44djdYMHdpM3VDT2ZtcHpXd0VPdmJ1V0pDRnY5aXBzNVE5M29CdVkyWXUweF9UdzNwdVBRQUNaanU5bXNYYVRsaE1LVUJET0N0RXprRng3Wk1ZMUptWGNsejItODNpNEdLNmdsd0c5SXRHVm5wYUEtQmhEWkdOQzY2S1J1UHJEck1n?oc=5) · The Business Journals
- 2016-09-29 [BB Americas unveils Britto-designed cards - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPck5fWEdrald2OE9QR3EyT3pYOWtVQjd3a0laZzlHQ0hjSURSbHRSUFg5Uzg5TEZmc1MxN2lXVmQ0OEl6MGg5eUdjTTI0cnNJNnJiVS1RWHBEY0l6SU9WdU4wNXZZQ09LMnlWZjRvYUw2NzJqbE5saUpUeTBObDNGS0xqenh2cGhoSnFPaUlTM3UtcGdockRsMjdXMTB5cjdnUHhaS1ZR?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26725 (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/37.json (key "26725", 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.

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