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Bradesco Bank
Coral Gables, FL·FDIC Cert #21265·Charter: STATE·Est. 19731012.0·HC: BBD PARTICIPACOES SA
Total Assets
$5.5B
Q4 2025
Return on Assets
0.94%
+0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.54%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.94%+0.00
ROE
9.11%-0.04
Efficiency
58.54%+0.58
Equity/Assets
0.00%+0.00
NPL Ratio
0.21%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.98%+7.27
Charge-offs
0.00%+0.00
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 | 0.7 | 0.7 | 0.7 | 0.7 | 0.9 | 0.9 | 0.9 | 0.9 |
| ROE | 6.3 | 6.5 | 6.5 | 6.5 | 9.0 | 8.9 | 9.2 | 9.1 |
| Efficiency | 63.8 | 64.8 | 64.6 | 65.1 | 59.1 | 58.7 | 58.0 | 58.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 86.6 | 91.3 | 87.2 | 77.9 | 86.2 | 92.7 | 86.7 | 94.0 |
Balance Sheet
Total Assets$5.5B
Total Deposits$4.6B
Total Loans$4.3B
Total Equity$576.2M
Profitability
ROA0.94%
ROE9.11%
Efficiency Ratio58.54%
Net Income$50.0M
Risk & Asset Quality
NPL Ratio0.21%
Charge-off Rate0.00%
Loan/Deposit93.98%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans