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Banco do Brasil Americas
Miami, FL·FDIC Cert #26725·Charter: STATE·Est. 19860724.0·HC: BANCO DO BRASIL SA
Total Assets
$3.2B
Q4 2025
Return on Assets
1.63%
-0.03%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.88%
Peer avg: 57.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.63%-0.03
ROE
15.51%-0.44
Efficiency
46.88%+2.39
Equity/Assets
0.00%+0.00
NPL Ratio
0.77%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
69.14%+0.95
Charge-offs
0.01%+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 | 1.7 | 1.7 | 1.7 | 1.7 | 1.6 | 1.6 | 1.7 | 1.6 |
| ROE | 19.5 | 18.9 | 18.1 | 17.4 | 15.4 | 15.9 | 15.9 | 15.5 |
| Efficiency | 42.7 | 42.5 | 43.0 | 45.0 | 46.0 | 44.4 | 44.5 | 46.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.7 | 0.3 | 0.4 | 0.5 | 0.4 | 0.8 | 0.8 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 49.6 | 55.5 | 59.3 | 64.2 | 64.2 | 66.4 | 68.2 | 69.1 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.8B
Total Loans$2.0B
Total Equity$353.8M
Profitability
ROA1.63%
ROE15.51%
Efficiency Ratio46.88%
Net Income$50.4M
Risk & Asset Quality
NPL Ratio0.77%
Charge-off Rate0.01%
Loan/Deposit69.14%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans