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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Banesco USA

Miami, Florida · $5.98B in assets · beside the 8 other Florida banks between $3B and $10B

The filing

36.0%
CRE / loans
7th of 9
53.9%
Efficiency
3rd of 9
215.5%
CRE / capital
7th of 9

Banesco USA is the third largest of the 9 Florida banks between $3B and $10B, with $5.98B in assets at 30 June 2026. Loans are 76.7% of deposits, 4th of 9 against a median of 76.7%, and equity is 10.5% of assets, 4th of 9. Loans grew +8.4% in the year, 6th of 9, and deposits grew 20.5%; the cohort's median loan growth is +9.1%.

Noncurrent loans are 0.49% of the book, 6th of 9 against a median of 0.40%; 0.05% is 30 to 89 days past due, and the allowance covers them 1.9 times. Net charge-offs are 0.10% of loans, 6th of 9. Commercial real estate is 36.0% of loans, 7th of 9 against a median of 27.4%, and 216% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is 1.46%, 4th of 9 against a median of 1.22%, on an efficiency ratio of 53.9%, 3rd of 9. Five years ago it was 0.81%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 27.4% BB Bradesco Bank 7.1% FF First Federal Bank 17.1% BD Banco Do Brasil Americas 19.6% CC Capital City Bank 22.9% Bo Bank of Tampa 27.4% EB Emigrant Bank 30.6% BU Banesco USA 36.0% US U S Century Bank 47.8% OB Ocean Bank 71.0%
Loans, year over yearFL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +9.1% BD Banco Do Brasil Americas +16.7% BB Bradesco Bank +15.2% Bo Bank of Tampa +10.6% US U S Century Bank +9.9% OB Ocean Bank +9.1% BU Banesco USA +8.4% FF First Federal Bank +4.6% EB Emigrant Bank -3.8% CC Capital City Bank -4.4%

SBA 7(a), FY2008 to FY2026

Banesco USA is the 34th largest 7(a) lender into Florida of 528, with $246M across 273 loans, 0.8% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 56 of its 153 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Miami-Dade, FL$136M7th of 2153.4%-2.2 pts
Pinellas, FL$17M32nd of 1711.0%-0.5 pts
Broward, FL$16M44th of 2090.5%-0.6 pts
Hillsborough, FL$15M39th of 1950.7%-0.5 pts
Palm Beach, FL$10M51st of 1950.4%+0.4 pts
Travis, TX$9M61st of 2390.3%quiet FY2021
Los Angeles, CA$9M135th of 3080.0%thin
Orange, FL$6M65th of 2010.3%thin
Sarasota, FL$6M33rd of 1380.7%-0.9 pts
Baldwin, AL$5M11th of 842.1%thin
Sumter, SC$5M4th of 375.9%quiet FY2021
Lake, CA$5M6th of 385.7%quiet FY2022
Tarrant, TX$5M121st of 2810.1%-0.4 pts
140 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Wholesale trade112$118M29.1%0.46%44th of 1,651
Health care & social assistance64$56M13.8%0.12%119th of 2,172
Manufacturing32$50M12.4%0.13%144th of 2,246
Accommodation & food services34$30M7.3%0.04%314th of 2,596
Other services38$25M6.2%0.07%200th of 2,248
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Banesco USA
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans BU Banesco USA 0.8% $246M · 273 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer, Banesco USA among them; owner-occupied excluded; bold marks a screen met
Banesco USARankCohort median
Total CRE against capital, the 300% screen216%7th of 9122%
Construction against capital, the 100% screen24%5th of 924%
Construction and land development, share of loans4.1%3rd of 94.6%
Non-owner-occupied nonfarm nonresidential, share of loans27.2%7th of 913.9%
Total CRE, the guidance definition, share of loans36.0%7th of 927.4%
CRE growth over 36 months, the third prong+22.3%4th of 9+23.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ocean Bank$7.63B1.1%60.6%0.38%0.00%1.4%100.1%9.6%
Bradesco Bank$6.10B1.0%59.3%0.15%0.00%1.0%91.3%9.9%
Banesco USA$5.98B1.5%53.9%0.49%0.10%0.9%76.7%10.5%
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Banco Do Brasil Americas$3.47B1.5%49.9%0.83%0.02%1.3%70.9%10.8%
Bank of Tampa$3.02B1.2%58.0%0.29%0.03%1.3%76.7%9.8%
U S Century Bank$3.02B1.5%45.8%0.09%0.02%1.1%93.6%8.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Banesco USACohort median
20212026Change20212026Change
Loans$1.55B$3.96B+156%$1.55B$2.53B+63%
Deposits$1.60B$5.17B+223%$2.43B$3.82B+57%
NPA / loans1.20%0.49%-0.71 pts0.36%0.40%+0.04 pts
Efficiency71.0%53.9%-17.1 pts71.0%59.3%-11.7 pts
ROA0.81%1.46%+0.64 pts0.94%1.22%+0.29 pts

This read was prepared for Banesco USA's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Banesco USA is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks $3B to $10B
Institution Banescousa.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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