BankUnited, National Association is a national bank headquartered in Miami Lakes, Florida, in business for about 17 years. At the end of Q2 2026 it reported $34.9B in total assets and $29.1B in deposits, with 57 offices across 4 states.
Based on its Q2 2026 filing, BankUnited, National Association scores 47/100, which we describe as below average. That is higher than only 10% of 132 banks with $10 billion – $100 billion. Among 82 banks headquartered in Florida, it ranks 78th. Its strongest component is problem-loan coverage (76/100; 11.9%), and its lowest is funding & liquidity (31/100; 82% loans-to-deposits, 58% 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 6 points (41 → 47), mostly because the loan quality component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 46 |
| Q4 2024 | 46 |
| Q1 2025 | 44 |
| Q2 2025 | 41 |
| Q3 2025 | 43 |
| Q4 2025 | 43 |
| Q1 2026 | 45 |
| Q2 2026 | 47 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.55% |
| Q3 2024 | 9.59% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.53% |
| Q2 2025 | 9.28% |
| Q3 2025 | 9.46% |
| Q4 2025 | 9.27% |
| Q1 2026 | 9.41% |
| Q2 2026 | 9.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.62% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.96% |
| Q1 2025 | 2.12% |
| Q2 2025 | 2.38% |
| Q3 2025 | 2.29% |
| Q4 2025 | 2.19% |
| Q1 2026 | 1.95% |
| Q2 2026 | 1.69% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $34.9B | 9.43% | 1.69% | 0.87% | 81.5% |
| Q1 2026 | 45 | $35.3B | 9.41% | 1.95% | 0.83% | 81.1% |
| Q4 2025 | 43 | $35.0B | 9.27% | 2.19% | 0.89% | 81.2% |
| Q3 2025 | 43 | $35.1B | 9.46% | 2.29% | 0.89% | 81.3% |
| Q2 2025 | 41 | $35.4B | 9.28% | 2.38% | 0.85% | 81.2% |
| Q1 2025 | 44 | $34.8B | 9.53% | 2.12% | 0.79% | 83.3% |
| Q4 2024 | 46 | $35.2B | 9.67% | 1.96% | 0.78% | 85.5% |
| Q3 2024 | 46 | $35.8B | 9.59% | 1.86% | 0.74% | 85.7% |
| Q2 2024 | 48 | $35.4B | 9.55% | 1.62% | 0.69% | 87.0% |
132 peers · $10 billion – $100 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 |
|---|---|---|---|---|---|
| City National Bank of FloridaBank Miami, FL | 64 out of 100, Moderate | $29.1B | 11.4% | 0.81% | vs |
| Raymond James BankBank Saint Petersburg, FL | 69 out of 100, Moderate | $45.6B | 8.0% | 0.28% | vs |
| EverBank, National AssociationBank Jacksonville, FL | 54 out of 100, Below average | $46.7B | 9.0% | 1.42% | vs |
| Seacoast National BankBank Stuart, FL | 63 out of 100, Moderate | $21.3B | 9.8% | 0.66% | vs |
| Amerant Bank, National AssociationBank Coral Gables, FL | 43 out of 100, Below average | $10.3B | 9.9% | 2.49% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |
Deposit insurance
Is my money safe at BankUnited, National Association?
Yes. BankUnited, National Association is an FDIC-insured institution (FDIC certificate #58979). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 57.9% of deposits ($16.8B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.43%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.90% (benchmark: 10%).
57 locations
Branches
BankUnited, National Association lists 57 offices in 44 cities across 4 states. Most locations:
- Miami, FL (6)
- Fort Lauderdale, FL (3)
- Boca Raton, FL (2)
- Miami Lakes, FL (2)
- New York, NY (2)
- Pompano Beach, FL (2)
- Tampa, FL (2)
- West Palm Beach, FL (2)
- Altamonte Springs, FL (1)
- Atlanta, GA (1)
- Aventura, FL (1)
- Bonita Springs, FL (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 18 consumer complaints about BANKUNITED, NATIONAL ASSOCIATION to the company (6 in the last 12 months). 100.0% received a timely response. That is 0.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
Identity & history
Profile
- Legal name
- BankUnited, National Association
- Former names
- BankUnited; UnitedBank
- Type
- National bank
- FDIC certificate #
- 58979
- RSSD ID
- 3938186
- Primary regulator
- OCC
- Holding company
- Bankunited Inc
- Established
- May 21, 2009
- Headquarters
- 14817 Oak Ln, Miami Lakes, FL 33016
- Website
- www.bankunited.com
- Employees
- 1,824
Quick answers
BankUnited, National Association: common questions
Is BankUnited, National Association FDIC insured?
Yes. BankUnited, National Association is an FDIC-insured institution (FDIC certificate #58979). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BankUnited, National Association's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BankUnited, National Association ever failed?
There is no failure record for FDIC certificate #58979 in the FDIC failed bank list.
How many branches does BankUnited, National Association have?
57 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Miami Lakes
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | 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 |