BlastPoint's Banking Scorecard

BankUnited, National Association

$10B-$250B Specialty: Commercial FL FDIC cert 58979

Miami Lakes, FL

58 branches across FL · NY · GA · TX

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 139 banks in the $10B-$250B peer group nationwide — 1 of 7 in FL.
Deposits -0.5% year over year ($29.1B on the books).
Delinquency rate 1.70%.
Return on assets 0.87%.
Efficiency ratio 57.73% vs a 53.67% peer average.
Loan-to-deposit ratio 81.52% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 7 in FL

View $10B-$250B leaderboard (FL) →

BankUnited, National Association has 1 strength but faces 5 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 14.29% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 3.8% in tier
- ROA 0.52% below tier average
- Net Interest Margin 0.86% below tier average
- Efficiency Ratio 4.05% above tier average
- Delinquency Rate 0.69% above tier average

Get updates when BankUnited, 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 ?	$34.9B -1.6% YoY -1.3% QoQ	-$8.7B	$43.6B -13.8% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$23.7B -0.1% YoY -1.0% QoQ	-$4.2B	$28.0B -8.6% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	68%
Total Deposits ?	$29.1B -0.5% YoY -1.6% QoQ	-$6.3B	$35.4B -14.0% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	0.87% +1.9% YoY +3.8% QoQ	-0.52%	1.39% +25.9% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Bottom 12.2% in tier
Net Interest Margin ?	3.06% +3.0% YoY +1.6% QoQ	-0.86%	3.92% +8.9% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	57.73% +0.3% YoY +1.3% QoQ	+4.05%	53.67% -1.9% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	1.70% -29.1% YoY -13.6% QoQ	+0.69%	1.01% -2.8% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Bottom 10.9% in tier
Loan-to-Deposit Ratio ?	81.52% +0.4% YoY +0.6% QoQ	-1.09%	82.61% +3.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	63%
Non-Interest-Bearing Deposit Share ?	34.87% +5.0% YoY +12.7% QoQ	+14.29%	20.58% +4.9% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 6.5% in tier
Nonperforming Asset Ratio ?	1.16% -28.6% YoY -13.7% QoQ	+0.43%	0.73% +5.8% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Bottom 10.8% in tier
Tier 1 Capital Ratio ?	13.01% +0.4% YoY +0.9% QoQ	-2.34%	15.35% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.13% +0.6% YoY +141.0% QoQ	-0.36%	0.50% +10.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Bottom 12.2% 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	34.9% +1.7pp YoY +3.9pp QoQ	+13.8pp	21.0%	27.7%	22.2%	93%
Brokered Deposits	10.4% -3.6pp YoY -5.1pp QoQ	+1.2pp	9.2%	8.7%	8.5%	76%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	19.8% -0.2pp YoY -0.1pp QoQ	+2.7pp	17.2%	12.9%	12.5%	68%
CRE	36.4% +2.2pp YoY +0.6pp QoQ	-5.6pp	42.0%	50.6%	41.4%	32%
1-4 Family	28.2% -2.7pp YoY -0.5pp QoQ	+5.1pp	23.1%	30.7%	31.3%	72%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-12.9pp	12.9%	3.7%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	13.0% 0.0pp YoY +0.1pp QoQ	-2.3pp	15.3%	19.8%	19.7%	52%
Leverage Ratio	9.4% +0.1pp YoY 0.0pp QoQ	-1.0pp	10.4%	13.9%	12.6%	27%
Total Capital Ratio	13.9% 0.0pp YoY +0.2pp QoQ	-2.6pp	16.5%	21.1%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	1,824 +107 (+6.2%) YoY +23 (+1.3%) QoQ	-1,434	3,258	295	482	43%
Assets per Employee ($)	$19.1M -7.4% YoY -2.6% QoQ	-$7.9M	$27.0M	$10.3M	$8.8M	75%
Branch Count	58 +3 (+5.5%) YoY +2 (+3.6%) QoQ	-80	137	13	18	40%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	0.7% -0.1pp YoY -0.1pp QoQ	+0.3pp	0.4%	0.3%	0.4%	90%
Nonaccrual	1.0% -0.6pp YoY -0.2pp QoQ	+0.2pp	0.7%	0.7%	1.0%	81%
Allowance Coverage	0.54x +37.9% YoY +21.8% QoQ	-2.27x	2.81x	16.62x	20.23x	9%
Net Charge-off Rate (YTD)	0.4% +0.1pp YoY -0.2pp QoQ	-0.1pp	0.4%	0.2%	0.2%	77%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	9.6% +0.2pp YoY +0.3pp QoQ	-3.1pp	12.6%	9.3%	11.6%	36%
Cost of Funds (YTD)	2.0% -0.4pp YoY 0.0pp QoQ	0.0pp	2.0%	1.8%	1.7%	59%
Net Income ($, YTD)	$151.9M +1.6% YoY — QoQ	-$144.9M	$296.8M	$25.2M	$40.4M	48%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Flatlined Growth

risk

#2 of 26 • Bottom 3.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.87%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

26 of 26 Large banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.87%

Peer Median: 20.58%

#10 of 139 Top 6.5% in $10B-$250B

Top Weaknesses (5 metrics)

125

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.73%

#125 of 139 Bottom 10.8% in $10B-$250B

124

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 1.01%

#124 of 138 Bottom 10.9% in $10B-$250B

123

Non-Interest Income / Assets

revenue_mix

Value: 0.13%

Peer Median: 0.50%

#123 of 139 Bottom 12.2% in $10B-$250B

123

Return on Assets

profitability

Value: 0.87%

Peer Median: 1.39%

#123 of 139 Bottom 12.2% in $10B-$250B

109

Net Interest Margin

profitability

Value: 3.06%

Peer Median: 3.92%

#109 of 139 Bottom 22.3% in $10B-$250B