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Banesco USA

$1B-$10B Specialty: Commercial FL FDIC cert 57815

Designations: ✓ Minority Depository Institution

Miami, FL

6 branches across FL · PR

884 banks in the $1B-$10B peer group nationally 27 in FL
View $1B-$10B leaderboard (FL) →

Banesco USA has 3 strengths but faces 2 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

  • + Non-Interest-Bearing Deposit Share 14.93% above tier average
  • + Efficiency Ratio 5.62% below tier average
  • + Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.08% below tier average
  • - Net Interest Margin 0.38% below tier average
Get updates when Banesco USA releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $5.8B
+21.6% YoY +5.5% QoQ
+$3.0B $2.8B
-0.1% YoY
$4.3B
+10.8% YoY
$6.2B
+9.1% YoY
Top 11.3% in tier
Total Loans ? $4.0B
+21.0% YoY +5.0% QoQ
+$2.1B $2.0B
+0.6% YoY
$3.0B
+12.4% YoY
$3.2B
+10.8% YoY
Top 11.9% in tier
Total Deposits ? $4.8B
+25.7% YoY +5.3% QoQ
+$2.5B $2.3B
-0.3% YoY
$3.6B
+11.7% YoY
$4.8B
+8.2% YoY
Top 11.5% in tier
Return on Assets ? 1.28%
+11.8% YoY +13.4% QoQ
-0.08% 1.37%
+19.6% YoY
0.83%
+61.5% YoY
1.23%
+13.4% YoY
55%
Net Interest Margin ? 3.44%
+6.7% YoY +4.3% QoQ
-0.38% 3.82%
+6.9% YoY
3.75%
+4.2% YoY
3.89%
+5.7% YoY
37%
Efficiency Ratio ? 55.44%
-5.6% YoY -2.3% QoQ
-5.62% 61.06%
-4.6% YoY
71.93%
-25.2% YoY
66.95%
-4.1% YoY
63%
Delinquency Rate ? 0.54%
-36.9% YoY -3.5% QoQ
-0.35% 0.89%
+14.1% YoY
0.63%
-5.7% YoY
0.95%
+18.8% YoY
51%
Loan-to-Deposit Ratio ? 83.55%
-3.7% YoY -0.2% QoQ
-0.65% 84.20%
+0.3% YoY
73.79%
+1.2% YoY
76.70%
+0.9% YoY
57%
Non-Interest-Bearing Deposit Share ? 36.22%
+2.1% YoY +15.5% QoQ
+14.93% 21.29%
-2.5% YoY
27.22%
-2.5% YoY
22.01%
-1.2% YoY
Top 7.8% in tier
Nonperforming Asset Ratio ? 0.38%
-37.2% YoY -3.9% QoQ
-0.30% 0.67%
+15.6% YoY
0.43%
-5.1% YoY
0.67%
+19.3% YoY
56%
Tier 1 Capital Ratio ? 11.34%
-10.2% YoY +0.3% QoQ
-3.82% 15.16%
+2.0% YoY
16.64%
-24.7% YoY
17.06%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.17%
+32.2% YoY -64.1% QoQ
-0.09% 0.26%
+1.6% YoY
0.50%
+7.6% YoY
0.32%
+4.1% YoY
60%

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

70
Non-Interest-Bearing Deposit Share
funding
Value: 36.22%
Peer Median: 21.29%
#70 of 884 Top 7.8% in $1B-$10B
101
Total Assets
size
Value: $5.78B
Peer Median: $2.82B
#101 of 884 Top 11.3% in $1B-$10B
103
Total Deposits
size
Value: $4.83B
Peer Median: $2.34B
#103 of 884 Top 11.5% in $1B-$10B
106
Total Loans
size
Value: $4.03B
Peer Median: $1.96B
#106 of 884 Top 11.9% in $1B-$10B

Top Weaknesses (1 metrics)

700
Tier 1 Capital Ratio
capital
Value: 11.34%
Peer Median: 15.16%
#700 of 884 Bottom 20.9% in $1B-$10B
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