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Pibank, National Association

$1B-$10B Specialty: Commercial FL FDIC cert 25258

Designations: ✓ Community bank

Miami, FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
  • Deposits +94.1% year over year ($2.1B on the books).
  • Delinquency rate 0.13%.
  • Return on assets -0.49%.
  • Efficiency ratio 116.89% vs a 59.73% peer average.
  • Loan-to-deposit ratio 53.28% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL
View $1B-$10B leaderboard (FL) →

Pibank, National Association has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 18.5% in tier
  • - Return on Assets 1.88% below tier average
  • - Net Interest Margin 2.07% below tier average
  • - Efficiency Ratio 57.17% above tier average
  • - Non-Interest Income / Assets 0.51% below tier average
Get updates when Pibank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $2.4B
+86.2% YoY +17.0% QoQ
-$419.9M $2.8B
-0.6% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $1.1B
+76.2% YoY +22.5% QoQ
-$837.3M $2.0B
-0.3% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $2.1B
+94.1% YoY +16.9% QoQ
-$205.4M $2.3B
-0.5% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? -0.49%
+20.8% YoY -2.8% QoQ
-1.88% 1.39%
+17.0% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
Bottom 1.1% in tier
Net Interest Margin ? 1.80%
-15.4% YoY -2.1% QoQ
-2.07% 3.87%
+6.2% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
Bottom 1.4% in tier
Efficiency Ratio ? 116.89%
-10.6% YoY -5.2% QoQ
+57.17% 59.73%
-12.6% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
Bottom 0.5% in tier
Delinquency Rate ? 0.13%
+147.9% QoQ
-0.74% 0.87%
+11.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
85%
Loan-to-Deposit Ratio ? 53.28%
-9.2% YoY +4.8% QoQ
-31.76% 85.04%
-0.1% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Top 4.9% in tier
Non-Interest-Bearing Deposit Share ? 3.82%
-49.6% YoY -17.7% QoQ
-17.45% 21.27%
-1.5% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Bottom 3.1% in tier
Nonperforming Asset Ratio ? 0.06%
+159.7% QoQ
-0.61% 0.67%
+11.7% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
Top 10.2% in tier
Tier 1 Capital Ratio ? 17.27%
-1.8% YoY +0.0% QoQ
+2.43% 14.84%
-0.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Top 14.0% in tier
Non-Interest Income / Assets ? 0.02%
-39.2% YoY +245.3% QoQ
-0.51% 0.53%
+2.5% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
Bottom 1.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 3.8%
-3.8pp YoY
-0.8pp QoQ
 -17.6pp 21.4% 27.7% 22.2% 2%
Brokered Deposits 8.6%
+4.9pp YoY
-1.5pp QoQ
 -0.9pp 9.5% 8.7% 8.5% 64%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 27.9%
+14.4pp YoY
+5.9pp QoQ
 +13.9pp 14.0% 12.9% 12.5% 90%
CRE 53.0%
-2.2pp YoY
-2.3pp QoQ
 +3.0pp 50.0% 50.6% 41.4% 60%
1-4 Family 20.0%
-11.5pp YoY
-3.4pp QoQ
 -6.4pp 26.4% 30.7% 31.3% 42%
Consumer 0.2%
-0.6pp YoY
-0.2pp QoQ
 -4.5pp 4.7% 3.7% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 10.8%
-6.8pp YoY
-1.9pp QoQ
 -4.8pp 15.6% 19.8% 19.7% 7%
Leverage Ratio 9.7%
+0.2pp YoY
-0.1pp QoQ
 -1.6pp 11.3% 13.9% 12.6% 29%
Total Capital Ratio 18.5%
-0.3pp YoY
0.0pp QoQ
 +1.8pp 16.7% 21.1% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 130
+3 (+2.4%) YoY
-7 (-5.1%) QoQ
 -184 313 295 482 16%
Assets per Employee ($) $18.3M
+81.9% YoY
+23.3% QoQ
 +$7.8M $10.5M $10.3M $8.8M 94%
Branch Count 2
-3 (-60.0%) YoY
0 QoQ
 -18 20 13 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.7pp 0.8% 0.7% 1.0% 14%
Allowance Coverage 10.98x
-99.7% YoY
-62.4% QoQ
 -7.73x 18.71x 16.62x 20.23x 90%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE -5.5%
+1.5pp YoY
-0.1pp QoQ
 -18.1pp 12.6% 9.3% 11.6% 1%
Cost of Funds (YTD) 3.7%
+0.1pp YoY
+0.1pp QoQ
 +1.7pp 1.9% 1.8% 1.7% 99%
Net Income ($, YTD) $-4862000.0
-34.2% YoY
— QoQ
 -$24.1M $19.2M $25.2M $40.4M 1%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#18 of 221 • Top 7.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#1 of 46 • Bottom 0.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 3.82%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Credit Quality Pressure

risk
#92 of 492 • Bottom 18.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

44
Loan-to-Deposit Ratio
liquidity
Value: 53.28%
Peer Median: 85.04%
#44 of 885 Top 4.9% in $1B-$10B
91
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#91 of 885 Top 10.2% in $1B-$10B
125
Tier 1 Capital Ratio
capital
Value: 17.27%
Peer Median: 14.84%
#125 of 885 Top 14.0% in $1B-$10B
135
Delinquency Rate
credit_quality
Value: 0.13%
Peer Median: 0.87%
#135 of 882 Top 15.2% in $1B-$10B

Top Weaknesses (5 metrics)

882
Efficiency Ratio
profitability
Value: 116.89%
Peer Median: 59.73%
#882 of 885 Bottom 0.5% in $1B-$10B
876
Return on Assets
profitability
Value: -0.49%
Peer Median: 1.39%
#876 of 885 Bottom 1.1% in $1B-$10B
874
Net Interest Margin
profitability
Value: 1.80%
Peer Median: 3.87%
#874 of 885 Bottom 1.4% in $1B-$10B
870
Non-Interest Income / Assets
revenue_mix
Value: 0.02%
Peer Median: 0.53%
#870 of 885 Bottom 1.8% in $1B-$10B
859
Non-Interest-Bearing Deposit Share
funding
Value: 3.82%
Peer Median: 21.27%
#859 of 885 Bottom 3.1% in $1B-$10B
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