TellerScore

Terrabank, National Association is a national bank headquartered in Coral Gables, Florida, in business for about 41 years. At the end of Q2 2026 it reported $897.7M in total assets and $791.4M in deposits, with 5 offices.

Based on its Q2 2026 filing, Terrabank, National Association scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 56th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is funding & liquidity (47/100; 75% loans-to-deposits, 49% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Tier 1 leverage ratio: 9.83%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 75.4% · 49.0% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.75%

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 fell 3 points (68 → 65), mostly because the funding & liquidity component weakened by 11 points.

TellerScore
505968Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202451
Q4 202454
Q1 202567
Q2 202568
Q3 202568
Q4 202568
Q1 202667
Q2 202665
Tier 1 leverage ratio
5.00%7.43%9.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.52%
Q3 20248.57%
Q4 20249.04%
Q1 20259.58%
Q2 20259.68%
Q3 20259.72%
Q4 20259.86%
Q1 20269.86%
Q2 20269.83%
Noncurrent loans
0.03%0.57%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.10%
Q3 20241.08%
Q4 20241.01%
Q1 20250.09%
Q2 20250.03%
Q3 20250.03%
Q4 20250.03%
Q1 20260.03%
Q2 20260.11%
Return on assets
0.38%0.66%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.46%
Q4 20240.52%
Q1 20250.80%
Q2 20250.81%
Q3 20250.84%
Q4 20250.94%
Q1 20260.67%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$897.7M9.83%0.11%0.71%75.4%
Q1 202667$869.3M9.86%0.03%0.67%74.0%
Q4 202568$853.4M9.86%0.03%0.94%72.5%
Q3 202568$831.3M9.72%0.03%0.84%70.8%
Q2 202568$811.8M9.68%0.03%0.81%69.7%
Q1 202567$820.6M9.58%0.09%0.80%67.5%
Q4 202454$788.1M9.04%1.01%0.52%71.3%
Q3 202451$808.7M8.57%1.08%0.46%70.8%
Q2 202450$783.9M8.52%1.10%0.38%72.8%

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).

Capital ratio9.83%
27th
Total risk-based capital16.03%
73rd
Problem loans0.11%
73rd
Net charge-offs0.00%
52nd
Return on assets0.71%
20th
Net interest margin3.60%
32nd
Efficiency ratio73.4%
23rd
Loans to deposits75.4%
59th
Uninsured deposits49.0%
4th
Loan-loss reserves1.35%
68th
Texas ratio0.8%
73rd

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
United Southern BankBank Umatilla, FL76 out of 100, Strong$843.0M10.8%0.44%vs
Mainstreet Community Bank of FloridaBank Deland, FL56 out of 100, Moderate$953.4M9.4%1.27%vs
Sanibel Captiva Community BankBank Sanibel, FL68 out of 100, Moderate$976.2M9.9%0.67%vs
First BankBank Clewiston, FL71 out of 100, Strong$810.5M9.7%0.31%vs
Anchor BankBank Palm Beach Gardens, FL75 out of 100, Strong$805.5M8.8%0.15%vs
Flagship BankBank Clearwater, FL72 out of 100, Strong$802.8M11.7%0.02%vs

Deposit insurance

Is my money safe at Terrabank, National Association?

Yes. Terrabank, National Association is an FDIC-insured institution (FDIC certificate #26442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.0% of deposits ($387.6M) 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 9.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.03% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Terrabank, National Association lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Terrabank, National Association reported 77 home-loan applications under HMDA (LEI 254900T2AM7E5EQDN105): 61 originated ($43,545,000 total), 1 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.5%, 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
Terrabank, National Association
Type
National bank
FDIC certificate #
26442
RSSD ID
238737
Primary regulator
OCC
Established
November 21, 1985
Headquarters
1 Alhambra Plz, Coral Gables, FL 33134
Employees
128

Quick answers

Terrabank, National Association: common questions

Is Terrabank, National Association FDIC insured?

Yes. Terrabank, National Association is an FDIC-insured institution (FDIC certificate #26442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Terrabank, National Association's TellerScore?

65 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 Terrabank, National Association ever failed?

There is no failure record for FDIC certificate #26442 in the FDIC failed bank list.

How many branches does Terrabank, National Association have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coral Gables

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