City National Bank of Florida (FDIC certificate #20234) is based in Miami, Florida. Its Q2 2026 call report shows $29.1B in total assets and $22.1B in deposits and 30 offices.
City National Bank of Florida has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 46% of its 132 banks with $10 billion – $100 billion. Among 82 banks headquartered in Florida, it ranks 58th. Problem-loan coverage contributes the most (87/100, 6.6%); funding & liquidity contributes the least (28/100, 92% loans-to-deposits, 51% 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 2 points (62 → 64), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 56 |
| Q4 2024 | 57 |
| Q1 2025 | 61 |
| Q2 2025 | 62 |
| Q3 2025 | 59 |
| Q4 2025 | 60 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.30% |
| Q3 2024 | 10.34% |
| Q4 2024 | 10.57% |
| Q1 2025 | 10.52% |
| Q2 2025 | 10.69% |
| Q3 2025 | 10.82% |
| Q4 2025 | 10.94% |
| Q1 2026 | 11.22% |
| Q2 2026 | 11.38% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.66% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $29.1B | 11.38% | 0.81% | 1.24% | 92.2% |
| Q1 2026 | 63 | $28.6B | 11.22% | 0.86% | 1.19% | 91.3% |
| Q4 2025 | 60 | $28.0B | 10.94% | 0.94% | 0.96% | 89.5% |
| Q3 2025 | 59 | $27.8B | 10.82% | 1.05% | 0.93% | 89.2% |
| Q2 2025 | 62 | $27.1B | 10.69% | 0.66% | 0.90% | 87.9% |
| Q1 2025 | 61 | $27.2B | 10.52% | 0.66% | 0.82% | 85.4% |
| Q4 2024 | 57 | $26.5B | 10.57% | 0.71% | 0.34% | 87.2% |
| Q3 2024 | 56 | $26.2B | 10.34% | 0.64% | 0.22% | 86.5% |
| Q2 2024 | 59 | $26.2B | 10.30% | 0.67% | 0.51% | 83.7% |
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 |
|---|---|---|---|---|---|
| BankUnited, National AssociationBank Miami Lakes, FL | 47 out of 100, Below average | $34.9B | 9.4% | 1.69% | vs |
| Seacoast National BankBank Stuart, FL | 63 out of 100, Moderate | $21.3B | 9.8% | 0.66% | 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 |
| 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 City National Bank of Florida?
Yes. City National Bank of Florida is an FDIC-insured institution (FDIC certificate #20234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 51.5% of deposits ($11.4B) 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 11.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.75% (benchmark: 10%).
30 locations
Branches
City National Bank of Florida lists 29 offices in 19 cities. Most locations:
- Miami, FL (8)
- Miami Beach, FL (3)
- Orlando, FL (2)
- Aventura, FL (1)
- Boca Raton, FL (1)
- Coral Gables, FL (1)
- Coral Springs, FL (1)
- Delray Beach, FL (1)
- Doral, FL (1)
- Fort Lauderdale, FL (1)
- Hallandale, FL (1)
- Hialeah, FL (1)
HMDA 2025
Mortgage lending
In 2025, City National Bank of Florida reported 1,723 home-loan applications under HMDA (LEI GDN5JXQ4P5NZE28ZRC90): 1,199 originated ($1,355,545,000 total), 144 denied, and 376 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- City National Bank of Florida
- Former names
- City Bank of Hallandale; City National Bank of Hallandale
- Type
- National bank
- FDIC certificate #
- 20234
- RSSD ID
- 814430
- Primary regulator
- OCC
- Holding company
- Empresas Juan Yarur Spa
- Established
- August 12, 1970
- Headquarters
- 25 W Flagler St, Miami, FL 33130
- Website
- www.citynational.com
- Employees
- 1,172
Quick answers
City National Bank of Florida: common questions
Is City National Bank of Florida FDIC insured?
Yes. City National Bank of Florida is an FDIC-insured institution (FDIC certificate #20234). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is City National Bank of Florida's TellerScore?
64 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 City National Bank of Florida ever failed?
There is no failure record for FDIC certificate #20234 in the FDIC failed bank list.
How many branches does City National Bank of Florida have?
30 offices as of the latest FDIC data.
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 |