BankUnited
BankUnited reported total assets of $34.9 bn at Q2 2026, down 1.6% on a year earlier, the 63rd largest of 497 banks in our US coverage. The CET1 capital ratio at BankUnited was 13.01%, and the uninsured share of BankUnited was 57.91%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, BankUnited climbed from 497th to 443rd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- BankUnited has one of the highest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 57.91% at , against a median of 38.56% across 126 banks (FDIC Call Reports).
- At 1.69%, the noncurrent loans to total loans of BankUnited sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 0.66% (FDIC Call Reports).
What sets BankUnited apart
How large is BankUnited?
The balance sheet of BankUnited at : assets $34.9 bn, deposits $29.1 bn, net loans $23.7 bn (loans equal to 81.52% of deposits). Securities make up 26.7% of total assets at BankUnited. Since , when BankUnited held $24.7 bn, its assets grew 41.1%. In the year to , deposits at BankUnited fell 0.5% while its total assets fell 1.6%. At , BankUnited employed 1,824 full-time equivalent staff across 58 offices, about $19.1 mn of assets per employee and $501.6 mn of deposits per office.
How much funding at BankUnited is uninsured?
At BankUnited, uninsured deposits (above the FDIC limit) made up 57.91% of domestic deposits at (+3.63 pp on a year earlier); BankUnited ranks 33rd of 500 on this measure. In dollars, BankUnited estimated $16.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $29.1 bn | -0.5% | 60th of 499 |
| Net loans and leases | $23.7 bn | -0.1% | 64th of 500 |
| Loan-to-deposit ratio | 81.52% | +0.36 pp | 323rd of 500 |
| Tier 1 leverage ratio | 9.43% | +0.15 pp | 380th of 500 |
| Total risk-based capital ratio | 13.90% | +0.03 pp | 264th of 448 |
| Net interest margin | 3.06% | +0.09 pp | 395th of 500 |
| Return on assets (ROA) | 0.87% | +0.02 pp | 427th of 500 |
| Efficiency ratio | 57.73% | +0.17 pp | 285th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $282.3 mn | Narrowed by $47.7 mn | |
| Noncurrent loans to total loans | 1.69% | -0.69 pp | 443rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.35% | +0.09 pp | 412th of 500 (1 = lowest) |
US rank of BankUnited: 1 = highest unless marked 1 = lowest.
Balance sheet
BankUnited: assets, deposits and loans
- Total assets $34.9bn
- Deposits $29.1bn
- Net loans $23.7bn
Capital and securities
The CET1 ratio of BankUnited stood at 13.01% in , +0.05 pp year on year. Low and high at BankUnited since : 12.40% () to 15.11% (). Equity capital of BankUnited at : $3.2 bn, or 9.1% of total assets. BankUnited also reported a total capital ratio of 13.90% for , and a tier 1 leverage ratio of 9.43%.
The available-for-sale portfolio of BankUnited showed an unrealized loss of $282.3 mn at ; the loss narrowed by $47.7 mn over the year.
BankUnited: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.4%
BankUnited: unrealized securities gains and losses
- Available for sale -$282mn
- Held to maturity $0
Profitability and loan quality
For the year to , BankUnited earned a return on equity of 9.55%; return on assets: 0.87%. Net interest margin at BankUnited: 3.06%, +0.09 pp in a year. BankUnited net income: $151.9 mn, up 1.6% year on year. The efficiency ratio of BankUnited was 57.73%: about 58 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 1.69% of total loans at BankUnited; net charge-offs: 0.35% of average loans. Gross loans and leases at BankUnited: $23.9 bn, down 0.1% in a year.
BankUnited: profitability
- Return on equity 9.6%
- Net interest margin 3.1%
- Return on assets 0.9%
Peer group of BankUnited
The peer group of BankUnited is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of BankUnited (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Florida. Against them, BankUnited shows CET1 ratio 13.01% against a peer median of 12.77%, return on equity 9.55% against a peer median of 9.46% and uninsured deposit share 57.91% against a peer median of 37.97%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Hancock Whitney Bank | State nonmember bank | MS | $36.3 bn | 12.86% | 8.29% | 52.01% | |
| Commerce Bank | State member bank | MO | $35.0 bn | 15.11% | 11.77% | 38.59% | |
| Banc of California | State member bank | CA | $34.9 bn | 12.68% | -7.92% | 28.88% | |
| BankUnited | National bank | FL | $34.9 bn | 13.01% | 9.55% | 57.91% | |
| First National Bank of Omaha | National bank | NE | $34.2 bn | 12.64% | 15.91% | 33.93% | |
| United Bank | State member bank | VA | $33.6 bn | 13.69% | 9.36% | 38.29% | |
| Texas Capital Bank | State member bank | TX | $33.6 bn | 12.35% | 9.55% | 37.66% | |
. FDIC Call Reports.
Last eight quarters
Two years at BankUnited, to : assets -2.5%, deposits +3.2%, equity -2.4%. Staff 1,668 to 1,824; offices 56 to 58.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $35.8 bn | $35.2 bn | $34.8 bn | $35.4 bn | $35.1 bn | $35.0 bn | $35.3 bn | $34.9 bn |
| Total deposits | $28.2 bn | $28.2 bn | $28.5 bn | $29.2 bn | $28.9 bn | $29.6 bn | $29.6 bn | $29.1 bn |
| Bank equity capital | $3.3 bn | $3.2 bn | $3.2 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.2 bn | $3.2 bn |
| CET1 ratio | 13.63% | 13.70% | 13.41% | 12.96% | 13.19% | 12.73% | 12.89% | 13.01% |
| Return on equity (ROE) | 8.35% | 8.77% | 8.59% | 9.37% | 9.78% | 9.84% | 9.24% | 9.55% |
| Uninsured share of domestic deposits | 48.21% | 48.70% | 50.76% | 54.28% | 51.73% | 51.99% | 52.92% | 57.91% |
| Full-time equivalent employees | 1,668 | 1,667 | 1,689 | 1,717 | 1,751 | 1,789 | 1,801 | 1,824 |
| Number of offices | 56 | 56 | 55 | 55 | 55 | 56 | 56 | 58 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by BankUnited appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of BankUnited?
BankUnited reported $34.9 bn at in its Call Report. That makes BankUnited the 63rd largest of 497 banks in our US coverage.
Is BankUnited the same as its holding company?
No. This page covers BankUnited, FDIC certificate 58979; BankUnited, Inc., its holding company, reports separately to the Federal Reserve.
Is BankUnited profitable?
BankUnited reported net income of $151.9 mn for the year to ; annualized return on equity: 9.55%. So yes: BankUnited made a profit over these months.
When is data for BankUnited next updated?
Figures from BankUnited for are due after .
Where can I check the figures for BankUnited?
In the FDIC BankFind Suite record for certificate 58979, and in the Call Reports of BankUnited (RSSD ID 3938186) at the FFIEC Central Data Repository.