BankMiami (FDIC certificate #59354) is based in Coral Gables, Florida. Its Q2 2026 call report shows $317.9M in total assets and $280.8M in deposits and 1 office.
Based on its Q2 2026 filing, BankMiami scores 62/100, which we describe as moderate. That is higher than only 22% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 66th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (0/100; -0.71%).
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.
6 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (73 → 62), mostly because the capital cushion component weakened by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 73 |
| Q4 2025 | 73 |
| Q1 2026 | 73 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q1 2025 | 96.40% |
| Q2 2025 | 68.49% |
| Q3 2025 | 32.44% |
| Q4 2025 | 20.94% |
| Q1 2026 | 15.59% |
| Q2 2026 | 11.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q1 2025 | -8.41% |
| Q2 2025 | -5.29% |
| Q3 2025 | -3.61% |
| Q4 2025 | -2.80% |
| Q1 2026 | -0.82% |
| Q2 2026 | -0.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $317.9M | 11.43% | 0.00% | -0.71% | 35.1% |
| Q1 2026 | 73 | $279.3M | 15.59% | 0.00% | -0.82% | 31.5% |
| Q4 2025 | 73 | $183.3M | 20.94% | 0.00% | -2.80% | 46.0% |
| Q3 2025 | 73 | $140.9M | 32.44% | 0.00% | -3.61% | 34.5% |
| Q2 2025 | 73 | $80.7M | 68.49% | 0.00% | -5.29% | 29.7% |
| Q1 2025 | 73 | $40.5M | 96.40% | 0.00% | -8.41% | 0.0% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Evermore BankBank Fort Lauderdale, FL | 74 out of 100, Strong | $316.9M | 13.5% | 0.00% | vs |
| DLP BankBank Starke, FL | 74 out of 100, Strong | $301.4M | 15.3% | 1.45% | vs |
| Natbank, National AssociationBank Hollywood, FL | 77 out of 100, Strong | $296.5M | 29.8% | 0.00% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
| Gulfside BankBank Sarasota, FL | 76 out of 100, Strong | $344.6M | 11.2% | 0.00% | vs |
| Interamerican Bank, A FSBBank Miami, FL | 65 out of 100, Moderate | $355.7M | 11.2% | 0.73% | vs |
Deposit insurance
Is my money safe at BankMiami?
Yes. BankMiami is an FDIC-insured institution (FDIC certificate #59354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 70.8% of deposits ($198.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.73% (benchmark: 10%).
1 location
Branches
BankMiami lists 1 office in 1 city. Most locations:
- Coral Gables, FL (1)
Identity & history
Profile
- Legal name
- BankMiami
- Type
- State-chartered bank
- FDIC certificate #
- 59354
- RSSD ID
- 5906497
- Primary regulator
- FDIC
- Established
- March 17, 2025
- Headquarters
- 1515 Sunset Dr, Coral Gables, FL 33143
- Website
- www.bankmiami.com
- Employees
- 28
Quick answers
BankMiami: common questions
Is BankMiami FDIC insured?
Yes. BankMiami is an FDIC-insured institution (FDIC certificate #59354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BankMiami's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BankMiami ever failed?
There is no failure record for FDIC certificate #59354 in the FDIC failed bank list.
How many branches does BankMiami have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Coral Gables
| 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 |