Banesco USA is a state-chartered bank headquartered in Miami, Florida, in business for about 20 years. At the end of Q2 2026 it reported $6.0B in total assets and $5.2B in deposits, with 6 offices across 2 states.
Based on its Q2 2026 filing, Banesco USA scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 29th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is funding & liquidity (44/100; 76% loans-to-deposits, 52% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (68 → 72), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 72 |
| Q4 2024 | 74 |
| Q1 2025 | 70 |
| Q2 2025 | 68 |
| Q3 2025 | 64 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.98% |
| Q3 2024 | 12.83% |
| Q4 2024 | 12.93% |
| Q1 2025 | 12.63% |
| Q2 2025 | 12.00% |
| Q3 2025 | 11.55% |
| Q4 2025 | 11.30% |
| Q1 2026 | 11.34% |
| Q2 2026 | 11.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.73% |
| Q3 2025 | 1.15% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.05% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.28% |
| Q2 2026 | 1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $6.0B | 11.46% | 0.49% | 1.47% | 76.0% |
| Q1 2026 | 69 | $5.8B | 11.34% | 0.53% | 1.28% | 83.6% |
| Q4 2025 | 68 | $5.5B | 11.30% | 0.55% | 1.13% | 83.7% |
| Q3 2025 | 64 | $5.4B | 11.55% | 1.15% | 1.14% | 80.5% |
| Q2 2025 | 68 | $5.2B | 12.00% | 0.73% | 1.18% | 84.3% |
| Q1 2025 | 70 | $4.7B | 12.63% | 0.84% | 1.15% | 86.8% |
| Q4 2024 | 74 | $4.4B | 12.93% | 0.37% | 1.05% | 90.6% |
| Q3 2024 | 72 | $4.2B | 12.83% | 0.48% | 1.11% | 91.6% |
| Q2 2024 | 75 | $4.2B | 12.98% | 0.17% | 0.96% | 90.9% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bradesco BankBank Coral Gables, FL | 64 out of 100, Moderate | $6.1B | 10.1% | 0.15% | vs |
| Emigrant BankBank Miami, FL | 55 out of 100, Moderate | $5.7B | 20.3% | 4.77% | vs |
| First Federal BankBank Lake City, FL | 50 out of 100, Below average | $4.5B | 10.8% | 2.96% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Ocean BankBank Miami, FL | 63 out of 100, Moderate | $7.6B | 10.0% | 0.38% | vs |
| Banco do Brasil AmericasBank Miami, FL | 72 out of 100, Strong | $3.5B | 10.9% | 0.83% | vs |
Deposit insurance
Is my money safe at Banesco USA?
Yes. Banesco USA is an FDIC-insured institution (FDIC certificate #57815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 51.6% of deposits ($2.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Banesco USA lists 6 offices in 5 cities across 2 states. Most locations:
- Miami, FL (2)
- Aventura, FL (1)
- Coral Gables, FL (1)
- Hialeah, FL (1)
- San Juan, PR (1)
Identity & history
Profile
- Legal name
- Banesco USA
- Former names
- BBU Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57815
- RSSD ID
- 3402913
- Primary regulator
- FDIC
- Established
- January 10, 2006
- Headquarters
- 3155 Nw 77 Avenue, Miami, FL 33122
- Website
- banescousa.com
- Employees
- 500
Quick answers
Banesco USA: common questions
Is Banesco USA FDIC insured?
Yes. Banesco USA is an FDIC-insured institution (FDIC certificate #57815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Banesco USA's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Banesco USA ever failed?
There is no failure record for FDIC certificate #57815 in the FDIC failed bank list.
How many branches does Banesco USA have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Miami
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |