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

Terrabank National Association

Coral Gables, Florida · $898M in assets · beside the 11 other Florida banks between $300M and $1B

The filing

57.6%
CRE / loans
11th of 12
0.71%
ROA
11th of 12
73.4%
Efficiency
10th of 12

Terrabank National Association is the third largest of the 12 Florida banks nearest its size between $300M and $1B, with $898M in assets at 30 June 2026. Loans are 76.5% of deposits, 6th of 12 against a median of 77.5%, and equity is 8.7% of assets, 9th of 12. Loans grew +16.1% in the year, 3rd of 12, and deposits grew 7.4%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.11% of the book, 6th of 12 against a median of 0.13%; 0.34% is 30 to 89 days past due, and the allowance covers them 12.7 times. Commercial real estate is 57.6% of loans, 11th of 12 against a median of 43.0%, and 372% of capital, above the 300% screen, with construction at 30% against the 100% screen.

Return on assets is 0.71%, 11th of 12 against a median of 1.12%, on an efficiency ratio of 73.4%, 10th of 12. Five years ago it was 0.36%. 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 6.1% of loans).

Commercial real estate, share of loansFL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 43.0% SC Sanibel Captiva Community Bank 24.8% FB First Bank 29.0% AB Axiom Bank National Association 30.3% FC Florida Capital Bank N.A. 32.3% MC Mainstreet Community Bank of Florida 36.1% FB FNBT Bank 41.1% US United Southern Bank 44.8% SB Sunrise Bank 45.3% AB Anchor Bank 45.5% SB Sunstate Bank 51.0% TN Terrabank National Association 57.6% FB Flagship Bank 58.8%
Loans, year over yearFL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.6% AB Anchor Bank +33.0% MC Mainstreet Community Bank of Florida +19.2% TN Terrabank National Association +16.1% FB Flagship Bank +12.4% US United Southern Bank +10.6% SB Sunrise Bank +7.4% FC Florida Capital Bank N.A. +5.7% FB First Bank +5.5% SB Sunstate Bank +1.9% SC Sanibel Captiva Community Bank -3.9% FB FNBT Bank -7.5% AB Axiom Bank National Association -9.6%

SBA 7(a), FY2008 to FY2026

Terrabank National Association is the 114th largest 7(a) lender into Florida of 528, with $37M across 33 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 1 of its 3 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
Broward, FL$21M38th of 2090.7%+0.0 pts
Miami-Dade, FL$14M49th of 2150.4%-0.0 pts
Martin, FL$2M42nd of 880.5%quiet FY2017
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 services10$15M42.0%0.02%442nd of 2,596
Retail trade6$8M21.0%0.01%563rd of 2,589
Health care & social assistance4$3M8.9%0.01%699th of 2,172
Wholesale trade2$3M8.2%0.01%583rd of 1,651
Administrative & waste services6$3M8.0%0.02%450th of 1,763
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Terrabank 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 TN Terrabank, National Association 0.1% $37M · 33 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Terrabank National AssociationRankCohort median
Total CRE against capital, the 300% screen372%10th of 12242%
Construction against capital, the 100% screen30%5th of 1253%
Construction and land development, share of loans4.6%4th of 127.3%
Non-owner-occupied nonfarm nonresidential, share of loans35.2%10th of 1229.8%
Total CRE, the guidance definition, share of loans57.6%11th of 1243.0%
CRE growth over 36 months, the third prong+38.5%6th of 12+41.3%

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
Sanibel Captiva Community Bank$976M1.9%49.1%0.67%0.17%1.0%103.7%9.9%
Mainstreet Community Bank of Florida$953M1.0%61.9%1.27%-0.01%1.2%84.9%8.8%
Terrabank National Association$898M0.7%73.4%0.11%0.00%1.4%76.5%8.7%
United Southern Bank$843M1.2%61.7%0.44%0.02%2.0%61.1%7.6%
First Bank$811M1.5%56.0%0.31%0.00%1.7%69.0%9.6%
Anchor Bank$806M3.2%33.9%0.15%0.00%0.7%74.5%8.3%
Flagship Bank$803M1.0%60.3%0.02%0.01%1.0%94.0%12.2%
Axiom Bank National Association$732M0.2%112.3%0.06%0.00%0.9%78.5%12.2%
Florida Capital Bank N.A.$713M0.9%74.4%0.16%0.00%1.2%84.5%9.8%
FNBT Bank$629M1.5%60.1%0.00%-0.08%1.5%43.7%11.3%
Sunrise Bank$623M1.3%59.8%0.10%0.00%1.2%92.6%8.5%
Sunstate Bank$580M1.0%72.3%0.00%0.00%0.9%68.0%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Terrabank National AssociationCohort median
20212026Change20212026Change
Loans$295M$605M+105%$297M$503M+69%
Deposits$558M$791M+42%$523M$663M+27%
NPA / loans0.11%0.11%+0.00 pts0.16%0.13%-0.03 pts
Efficiency83.2%73.4%-9.8 pts75.5%61.0%-14.4 pts
ROA0.36%0.71%+0.35 pts0.70%1.12%+0.41 pts

This read was prepared for Terrabank 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 Terrabank 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 $300M to $1B
Institution www.terrabank.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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