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

City National Bank of Florida

Miami, Florida · $29.11B in assets · beside the 6 other Florida banks over $10B

The filing

44.4%
CRE / loans
7th of 7
93.2%
Loans / deposits
6th of 7
45.1%
Efficiency
2nd of 7

City National Bank of Florida is the fifth largest of the 7 Florida banks over $10B, with $29.11B in assets at 30 June 2026. Loans are 93.2% of deposits, 6th of 7 against a median of 89.8%, and equity is 10.6% of assets, 3rd of 7. Loans grew +7.7% in the year, 4th of 7, and deposits grew 2.7%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.81% of the book, 4th of 7 against a median of 0.81%; 0.22% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 44.4% of loans, the highest in the cohort against a median of 34.7%, and 258% of capital, below the 300% screen, with construction at 46% against the 100% screen.

Return on assets is 1.22%, 3rd of 7 against a median of 0.99%, on an efficiency ratio of 45.1%, 2nd of 7. Five years ago it was 1.13%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 8.5% of loans).

Commercial real estate, share of loansFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median 34.7% RJ Raymond James Bank 10.9% EN Everbank National Association 20.7% BN Bankunited National Association 28.7% AB Amerant Bank National Association 34.7% SN Seacoast National Bank 37.6% SB Southstate Bank N.A. 39.8% CN City National Bank of Florida 44.4%
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

City National Bank of Florida is the 40th largest 7(a) lender into Florida of 528, with $184M across 340 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 2 of its 118 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$118M10th of 2153.0%+3.0 pts
Broward, FL$35M23rd of 2091.1%+1.8 pts
Seminole, FL$11M22nd of 1331.6%-0.5 pts
Palm Beach, FL$11M47th of 1950.4%thin
Travis, TX$11M54th of 2390.4%thin
Dallas, TX$6M123rd of 3140.1%thin
Williamson, TX$6M50th of 1810.5%thin
Capitol, CT$6M21st of 1011.0%thin
King, WA$5M82nd of 1930.1%thin
New Castle, DE$5M31st of 1210.8%thin
Denton, TX$5M85th of 2240.2%thin
Westchester, NY$4M49th of 1520.4%thin
Potter, TX$4M8th of 493.9%thin
105 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
Retail trade76$48M16.7%0.08%189th of 2,589
Wholesale trade83$47M16.4%0.18%103rd of 1,651
Professional & technical services79$34M11.6%0.10%132nd of 1,955
Manufacturing30$29M10.1%0.07%232nd of 2,246
Construction50$29M10.0%0.09%176th of 2,063
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and City National
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 CN City National Bank of Florida 0.6% $184M · 340 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
City NationalRankCohort median
Total CRE against capital, the 300% screen258%6th of 7218%
Construction against capital, the 100% screen46%6th of 740%
Construction and land development, share of loans8.0%7th of 75.7%
Non-owner-occupied nonfarm nonresidential, share of loans29.4%7th of 723.2%
Total CRE, the guidance definition, share of loans44.4%7th of 734.7%
CRE growth over 36 months, the third prong+12.2%2nd 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
City NationalCohort median
20212026Change20212026Change
Loans$12.47B$20.60B+65%$22.89B$23.93B+5%
Deposits$16.69B$22.11B+32%$27.00B$29.09B+8%
NPA / loans0.71%0.81%+0.09 pts0.71%0.81%+0.09 pts
Efficiency50.2%45.1%-5.1 pts55.1%52.7%-2.4 pts
ROA1.13%1.22%+0.09 pts1.19%0.99%-0.20 pts

This read was prepared for City National Bank of Florida'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 City National Bank of Florida 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.citynational.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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