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
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).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 54 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 64 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.83% |
| Q3 2024 | 9.99% |
| Q4 2024 | 9.82% |
| Q1 2025 | 10.45% |
| Q2 2025 | 9.56% |
| Q3 2025 | 10.05% |
| Q4 2025 | 10.35% |
| Q1 2026 | 9.84% |
| Q2 2026 | 9.71% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.03% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return 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 | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $2.4B | 9.71% | 0.13% | -0.49% | 53.3% |
| Q1 2026 | 64 | $2.0B | 9.84% | 0.05% | -0.47% | 50.8% |
| Q4 2025 | 65 | $1.6B | 10.35% | 0.09% | -0.80% | 60.5% |
| Q3 2025 | 64 | $1.3B | 10.05% | 0.03% | -0.53% | 58.9% |
| Q2 2025 | 63 | $1.3B | 9.56% | 0.00% | -0.61% | 58.7% |
| Q1 2025 | 65 | $1.2B | 10.45% | 0.05% | -0.82% | 58.3% |
| Q4 2024 | 63 | $1.1B | 9.82% | 0.08% | -1.23% | 57.0% |
| Q3 2024 | 54 | $682.6M | 9.99% | 0.70% | -1.65% | 86.3% |
| Q2 2024 | 53 | $602.7M | 9.83% | 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).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crews Bank & TrustBank Wauchula, FL | 85 out of 100, Very strong | $2.3B | 10.7% | 0.06% | vs |
| Cogent BankBank Orlando, FL | 72 out of 100, Strong | $2.5B | 9.7% | 0.39% | vs |
| Newtek Bank, National AssociationBank Miami, FL | 41 out of 100, Below average | $2.5B | 8.6% | 7.19% | vs |
| Climate First BankBank Saint Petersburg, FL | 68 out of 100, Moderate | $1.9B | 9.7% | 0.12% | vs |
| U. S. Century BankBank Doral, FL | 69 out of 100, Moderate | $3.0B | 10.0% | 0.09% | vs |
| The Bank of TampaBank Tampa, FL | 70 out of 100, Strong | $3.0B | 11.0% | 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%).
1 location
Branches
Pibank, National Association lists 1 office in 1 city. Most locations:
- Miami, FL (1)
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
- Website
- www.pibank.com
- 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
| 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 |