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City National Bank of Florida
Miami, FL·FDIC Cert #20234·Charter: OCC·Est. 19700812.0·HC: EMPRESAS JUAN YARUR SPA
Total Assets
$28.0B
Q4 2025
Return on Assets
0.96%
+0.02%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.16%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.96%+0.02
ROE
9.62%+0.14
Efficiency
48.16%-0.08
Equity/Assets
0.00%+0.00
NPL Ratio
0.95%-0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.49%+0.29
Charge-offs
0.06%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.5 | 0.2 | 0.3 | 0.8 | 0.9 | 0.9 | 1.0 |
| ROE | 5.9 | 5.6 | 2.3 | 3.6 | 8.6 | 9.3 | 9.5 | 9.6 |
| Efficiency | 59.0 | 57.1 | 57.6 | 54.6 | 51.1 | 48.7 | 48.2 | 48.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.7 | 0.7 | 0.7 | 0.7 | 0.7 | 1.1 | 1.0 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.2 | 0.1 | 0.1 | 0.0 | 0.1 |
| Loan/Deposit | 82.2 | 83.7 | 86.5 | 87.2 | 85.4 | 87.9 | 89.2 | 89.5 |
Balance Sheet
Total Assets$28.0B
Total Deposits$21.9B
Total Loans$19.6B
Total Equity$2.9B
Profitability
ROA0.96%
ROE9.62%
Efficiency Ratio48.16%
Net Income$260.9M
Risk & Asset Quality
NPL Ratio0.95%
Charge-off Rate0.06%
Loan/Deposit89.49%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans