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Banesco Usa
Miami, FL · FDIC Certificate #57815 · Chartered 01/1
Total assets
$5.98B
Total deposits
$5.17B
Total equity
$626.38M
Net loans
$3.93B
Branches (offices)
6
Net income (YTD)
$42.12M
Rank: #251 of 4,213 U.S. banks by assets · #10 of 81 in Florida. Assets changed 14.7% and deposits 20.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 13.92% |
| Net interest margin (YTD) | 3.52% |
| Equity to assets | 10.47% |
| Tier 1 leverage ratio | 11.46% |
| Uninsured deposits (share of deposits) | 51.6% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 76.0% |
| Real estate loans (share of loans) | 76.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.99B | 76.1% | |
| Commercial & industrial | $780.32M | 19.9% | |
| Consumer / individual | $162.00K | 0.0% | |
| Construction & development | $161.72M | 4.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.59B | $1.91B | $10.62M | $401.80M |
| Jun 2023 | $3.57B | $2.77B | $9.58M | $414.09M |
| Jun 2024 | $4.17B | $3.42B | $19.04M | $484.83M |
| Jun 2025 | $5.21B | $4.29B | $28.24M | $553.51M |
| Jun 2026 | $5.98B | $5.17B | $42.12M | $626.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $4.28B | 5 |
| Puerto Rico | $892.03M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.17B.
Similar-sized banks
River City Bank ($6.04B) · Wilson Bank And Trust ($5.98B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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