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

Bradesco Bank

Coral Gables, Florida · $6.10B in assets · beside the 8 other Florida banks between $3B and $10B

The filing

7.1%
CRE / loans
1st of 9
0.15%
NPA / loans
2nd of 9
0.99%
ROA
8th of 9

Bradesco Bank is the second largest of the 9 Florida banks between $3B and $10B, with $6.10B in assets at 30 June 2026. Loans are 91.3% of deposits, 6th of 9 against a median of 76.7%, and equity is 9.9% of assets, 6th of 9. Loans grew +15.2% in the year, 2nd of 9, and deposits grew 18.2%; the cohort's median loan growth is +9.1%.

Noncurrent loans are 0.15% of the book, 2nd of 9 against a median of 0.40%; 0.05% is 30 to 89 days past due, and the allowance covers them 6.3 times. Commercial real estate is 7.1% of loans, the lowest in the cohort against a median of 27.4%, and 50% of capital, below the 300% screen, with construction at 7% against the 100% screen. CRE has grown +70.0% over 36 months, past the guidance's 50% prong.

Return on assets is 0.99%, 8th of 9 against a median of 1.22%, on an efficiency ratio of 59.3%, 5th of 9. Five years ago it was 0.54%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

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%

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; owner-occupied excluded; bold marks a screen met
Bradesco BankRankCohort median
Total CRE against capital, the 300% screen50%2nd of 9122%
Construction against capital, the 100% screen7%1st of 924%
Construction and land development, share of loans0.9%1st of 94.6%
Non-owner-occupied nonfarm nonresidential, share of loans4.8%1st of 913.9%
Total CRE, the guidance definition, share of loans7.1%1st of 927.4%
CRE growth over 36 months, the third prong+70.0%8th of 9+23.8%
Commercial real estate against capital, the 300% screenFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 122% FF First Federal Bank 49% BB Bradesco Bank 50% EB Emigrant Bank 100% BD Banco Do Brasil Americas 108% CC Capital City Bank 122% Bo Bank of Tampa 156% BU Banesco USA 216% US U S Century Bank 347% OB Ocean Bank 528%
CRE growth over 36 months, the guidance's third prongFL banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +23.8% CC Capital City Bank -23.7% EB Emigrant Bank -21.9% FF First Federal Bank +4.0% BU Banesco USA +22.3% Bo Bank of Tampa +23.8% OB Ocean Bank +26.8% US U S Century Bank +32.9% BB Bradesco Bank +70.0% BD Banco Do Brasil Americas +85.2%

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
Bradesco BankCohort median
20212026Change20212026Change
Loans$1.68B$4.57B+172%$1.55B$2.53B+63%
Deposits$1.85B$5.00B+170%$2.43B$3.82B+57%
NPA / loans0.41%0.15%-0.26 pts0.36%0.40%+0.04 pts
Efficiency76.0%59.3%-16.7 pts71.0%59.3%-11.7 pts
ROA0.54%0.99%+0.45 pts0.94%1.22%+0.29 pts

This read was prepared for Bradesco Bank'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 Bradesco Bank 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 www.bradescobank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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