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

Bankunited National Association

Miami Lakes, Florida · $34.86B in assets · beside the 6 other Florida banks over $10B

The filing

0.86%
ROA
7th of 7
9.1%
Equity / assets
6th of 7
1.69%
NPA / loans
6th of 7

Bankunited National Association is the fourth largest of the 7 Florida banks over $10B, with $34.86B in assets at 30 June 2026. Loans are 82.3% of deposits, 3rd of 7 against a median of 89.8%, and equity is 9.1% of assets, 6th of 7. Loans grew -0.1% in the year, 6th of 7, and deposits fell 0.5%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 1.69% of the book, 6th of 7 against a median of 0.81%; 0.75% is 30 to 89 days past due, and the allowance covers them 0.5 times. Net charge-offs are 0.36% of loans, the highest in the cohort. Commercial real estate is 28.7% of loans, 3rd of 7 against a median of 34.7%, and 194% of capital, below the 300% screen, with construction at 17% against the 100% screen.

Return on assets is 0.86%, the lowest in the cohort against a median of 0.99%, on an efficiency ratio of 57.7%, 5th of 7. Five years ago it was 1.25%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsFL banks over $10B · 30 June 2026 · higher is stronger, listed first
median 0.99% RJ Raymond James Bank 1.66% SB Southstate Bank N.A. 1.41% CN City National Bank of Florida 1.22% EN Everbank National Association 0.99% AB Amerant Bank National Association 0.89% SN Seacoast National Bank 0.87% BN Bankunited National Association 0.86%
Loans, year over yearFL banks over $10B · 30 June 2026 · no better direction, largest first
median +7.7% SN Seacoast National Bank +24.0% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% BN Bankunited National Association -0.1% AB Amerant Bank National Association -4.5%

SBA 7(a), FY2008 to FY2026

Bankunited National Association is the 16th largest 7(a) lender into Florida of 528, with $532M across 807 loans, 1.8% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 413 of its 439 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$83M16th of 2152.1%-0.3 pts
Broward, FL$58M15th of 2091.9%+1.0 pts
Tarrant, TX$58M18th of 2811.5%thin
Palm Beach, FL$55M10th of 1952.2%+0.4 pts
Hillsborough, FL$49M12th of 1952.2%+0.7 pts
Orange, FL$47M14th of 2012.3%-1.3 pts
Seminole, FL$40M2nd of 1335.8%+3.9 pts
Hamilton, OH$32M11th of 1222.3%quiet FY2020
Dallas, TX$29M45th of 3140.5%quiet FY2020
Wake, NC$29M17th of 1811.7%quiet FY2018
Duval, FL$28M11th of 1712.1%thin
Harris, TX$23M69th of 3140.3%quiet FY2021
Pinellas, FL$18M31st of 1711.1%thin
426 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
Accommodation & food services402$613M33.1%0.80%27th of 2,596
Retail trade293$292M15.8%0.48%43rd of 2,589
Health care & social assistance199$169M9.1%0.36%46th of 2,172
Other services148$154M8.3%0.44%48th of 2,248
Manufacturing104$121M6.6%0.31%57th of 2,246
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Bankunited National Association
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 BN Bankunited, National Association 1.8% $532M · 807 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bankunited National AssociationRankCohort median
Total CRE against capital, the 300% screen194%3rd of 7218%
Construction against capital, the 100% screen17%3rd of 740%
Construction and land development, share of loans2.6%3rd of 75.7%
Non-owner-occupied nonfarm nonresidential, share of loans21.4%3rd of 723.2%
Total CRE, the guidance definition, share of loans28.7%3rd of 734.7%
CRE growth over 36 months, the third prong+23.0%5th of 7+20.1%

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
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Amerant Bank National Association$10.27B0.9%65.1%2.49%0.25%1.2%82.1%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bankunited National AssociationCohort median
20212026Change20212026Change
Loans$22.89B$23.93B+5%$22.89B$23.93B+5%
Deposits$28.92B$29.09B+1%$27.00B$29.09B+8%
NPA / loans4.48%1.69%-2.80 pts0.71%0.81%+0.09 pts
Efficiency49.9%57.7%+7.8 pts55.1%52.7%-2.4 pts
ROA1.25%0.86%-0.39 pts1.19%0.99%-0.20 pts

This read was prepared for Bankunited National Association'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 Bankunited National Association 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 over $10B
Institution www.BankUnited.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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