TellerScore

Pibank, National Association (FDIC certificate #25258) is based in Miami, Florida. Its Q2 2026 call report shows $2.4B in total assets and $2.1B in deposits and 1 office.

Based on its Q2 2026 filing, Pibank, National Association scores 63/100, which we describe as moderate. That is higher than only 30% of 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 64th. Its strongest component is funding & liquidity (100/100; 53% loans-to-deposits, 10% uninsured), and its lowest is earnings (1/100; -0.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.71%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings1/100
Return on assets (annualized): -0.49%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 53.3% · 9.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.64%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 63).

TellerScore
535965Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202454
Q4 202463
Q1 202565
Q2 202563
Q3 202564
Q4 202565
Q1 202664
Q2 202663
Tier 1 leverage ratio
5.00%7.72%10.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.83%
Q3 20249.99%
Q4 20249.82%
Q1 202510.45%
Q2 20259.56%
Q3 202510.05%
Q4 202510.35%
Q1 20269.84%
Q2 20269.71%
Noncurrent loans
0.00%0.39%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.79%
Q3 20240.70%
Q4 20240.08%
Q1 20250.05%
Q2 20250.00%
Q3 20250.03%
Q4 20250.09%
Q1 20260.05%
Q2 20260.13%
Return on assets
-1.65%-1.06%-0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.29%
Q3 2024-1.65%
Q4 2024-1.23%
Q1 2025-0.82%
Q2 2025-0.61%
Q3 2025-0.53%
Q4 2025-0.80%
Q1 2026-0.47%
Q2 2026-0.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$2.4B9.71%0.13%-0.49%53.3%
Q1 202664$2.0B9.84%0.05%-0.47%50.8%
Q4 202565$1.6B10.35%0.09%-0.80%60.5%
Q3 202564$1.3B10.05%0.03%-0.53%58.9%
Q2 202563$1.3B9.56%0.00%-0.61%58.7%
Q1 202565$1.2B10.45%0.05%-0.82%58.3%
Q4 202463$1.1B9.82%0.08%-1.23%57.0%
Q3 202454$682.6M9.99%0.70%-1.65%86.3%
Q2 202453$602.7M9.83%0.79%-1.29%84.1%

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).

Capital ratio9.71%
29th
Total risk-based capital18.52%
89th
Problem loans0.13%
84th
Net charge-offs0.05%
44th
Return on assets-0.49%
1st
Net interest margin1.80%
2nd
Efficiency ratio116.9%
0th
Loans to deposits53.3%
95th
Uninsured deposits9.9%
96th
Loan-loss reserves1.40%
81st
Texas ratio0.6%
89th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs
Cogent BankBank Orlando, FL72 out of 100, Strong$2.5B9.7%0.39%vs
Newtek Bank, National AssociationBank Miami, FL41 out of 100, Below average$2.5B8.6%7.19%vs
Climate First BankBank Saint Petersburg, FL68 out of 100, Moderate$1.9B9.7%0.12%vs
U. S. Century BankBank Doral, FL69 out of 100, Moderate$3.0B10.0%0.09%vs
The Bank of TampaBank Tampa, FL70 out of 100, Strong$3.0B11.0%0.29%vs

Deposit insurance

Is my money safe at Pibank, National Association?

Yes. Pibank, National Association is an FDIC-insured institution (FDIC certificate #25258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.9% of deposits ($208.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.71%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.52% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Pibank, National Association lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pibank, National Association reported 118 home-loan applications under HMDA (LEI 254900DON8SDKGYIL122): 82 originated ($65,390,000 total), 15 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.2%, 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
Pibank, National Association
Former names
Intercredit Bank, National Association; Banco Pedroso, National Association; Unibank, National Association
Type
National bank
FDIC certificate #
25258
RSSD ID
44433
Primary regulator
OCC
Established
July 2, 1984
Headquarters
860 Nw 42nd Ave, Miami, FL 33126
Employees
130

Quick answers

Pibank, National Association: common questions

Is Pibank, National Association FDIC insured?

Yes. Pibank, National Association is an FDIC-insured institution (FDIC certificate #25258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pibank, National Association's TellerScore?

63 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 Pibank, National Association ever failed?

There is no failure record for FDIC certificate #25258 in the FDIC failed bank list.

How many branches does Pibank, National Association have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Miami

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs