# BANKMIAMI
CORAL GABLES, FL · FDIC certificate 59354 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $317.9M | |
| Deposits | $280.8M | |
| Loans and leases | $99.4M | |
| Total equity | $34.9M | |
| Loans / deposits | 35.07% (p2 of band) | 82.04% |
| Liquid assets / assets | 66.46% (p98 of band) | |
| Uninsured deposits / deposits | 70.76% (p99 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.43% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -0.12% (p95 of band) | -8.10% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | -0.71% (p1 of band) | 1.28% |
| Net interest margin | 2.54% (p4 of band) | 3.91% |
| Efficiency ratio | 125.26% (p99 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 50.62% (p57 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 547.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-03 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | capital falling |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 4 |  | NIM <2.5% |

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

- 2026-04-27 [BankMiami's CEO Mary Usategui on building a bank from scratch - The Business Journals](https://news.google.com/rss/articles/CBMivAFBVV95cUxQTllLd29vdWVLX1BfbThBb3dRTFdhTWJCNW90eGppMXM2UTV1eEpXWUg1V1RxME53cFJWcUtOZWZtY01IQ3pKbWNVci01OGRNb2dNWW5rTkhuckNTR2F5b2pEd2tZLUxUMklmMGhPY0ZsOG4tZFJuQlR4WjF3bjFTemFiaDROZ3dwQjZBbjhzMXg3eWpJbXYwUE9qNUoxRG9LdVNHUVYwN2pBdndiSk5uemRQVVhfZXRIdENYLQ?oc=5) · The Business Journals
- 2025-03-20 [Miami Herbert alumna becomes first woman to open a bank in Miami - University of Miami News](https://news.google.com/rss/articles/CBMivgFBVV95cUxOR0ZCS256UHNlUzkzZkQyMllmaFlxeXkxMW50bUdybWFsTzlDOHdVTk12d3lWZmVyOUJ5b2ViLW1DM3pRaGN1VWtjbjdFcko2bjgwaGp0VVpCRUlETG5mNjFORTRaSmM3TmNSSlZabnhKUHB4VDFDczNaaTFMRHEzOUVwajBFeS05cmFoTDg4N2dBSkZNQ0Y3b3dBVjE4VW9YTWFCYmtTNHNLajJhYm9mS21ldTNTSGV3d2RrNGp3?oc=5) · University of Miami News
- 2025-04-09 [Brand New Bank - Florida Trend](https://news.google.com/rss/articles/CBMiZkFVX3lxTE51Y3B3cnQ5UTdvNTkxSERPc2hGSkhNR1V5cm1WQ2JmWDM4WUo4enRTd0lGbG51Njl5VXJvWnpFZ2NtZ3FsMi1tcVVsbm9vRUJ4YUs0V2JvaGcyOGs4T2pFTDRDS0ZUZw?oc=5) · Florida Trend
- 2025-02-21 [Miami's getting a new bank; Citi adds an accounting chief - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQcUZUdkZXVmlLaUxtZWZSbzlOOHhvYU40MVVPTGNoTnJYYWdpMGZrbzBNbVRSMHQyZTNmeW5HTWUyeF9Hc1l6eTlORjFkZk80eE5xbExEdnpiQUg2U3Jmcnp2Ylp6d1RXSVdvZzBsbnd1SGVPN0xsbmY1Q2RUWDNZa0V3SFltcnJJc3U1WFRnT1pPSW5nSUhKX1BuZw?oc=5) · American Banker
- 2025-03-14 [New woman-founded bank set to launch in Miami-Dade - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOSTU0NGVId3dsMk9CVndENTItMElOY0pIMGx2NUN0eWJKUUxoQkpodWlQTEFWSkRheFJCWGdpQ1lWYjl0OGN2NXZjMkVkYm40ZVhQbEYzanFpd1MxVjg5S2ZVOEhGYVo2SGZMdVptQUdIaXlCSmRJemVrRG1VNURGbjBFWExIVnpnbmp2MEtLcnhCVmdRSmRtaVk0emQwb2VLSkU5aEhR?oc=5) · The Business Journals
- 2023-12-21 [Industry veteran to launch woman-founded Miami bank - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxQQVlwWnBlblBzeVFpLXlzc2hBT3ZTT3FBbjQ3WWJlaVBFNmVvQWxNVmZwZXpjN2Y5T2xMbzhOOWdaa3Nob1oxTW1vT0RxaERTdXctYWQ0cEI5ajliVnpVVnd2NHNVeUhfQW1uUUIwYUZmZHo3MmlNX09UZ2NONEFfalR1SEcyelVfUlJoUGFFbEcxQ3NJVzJGRUdGX1EyLTg4Zk53Y0ZiTnFBelJRUzZPQg?oc=5) · The Business Journals
- 2025-09-22 [South Florida bank deposits rise as new banks enter market - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQTmdJLVVsMEk3cVk5ei0tdUhobHRBQUlBMFVLR3ZfWktIekZpWnYzUUVoeG1ibnM4YUtTZ21lVGdXTHduLVRpeVFqX1BBYlVfN0tmQkdseFVyaHl3M3A5NXhMTjVfVUhnaUJGZGNLNkdDNWozQm5kdlZVOUlJbl9aQldFNG0zZllXZzBxY0tUVzZrRF84SjBIdjg2d2tZQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59354 (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/26.json (key "59354", 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