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BankUnited, National Association
Miami Lakes, FL·FDIC Cert #58979·Charter: OCC·Est. 20090521.0·HC: BANKUNITED INC
Total Assets
$35.0B
Q4 2025
Return on Assets
0.89%
+0.00%Peer avg: 1.11%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.96%
Peer avg: 53.5%
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
0.89%+0.00
ROE
9.84%+0.06
Efficiency
56.96%-0.27
Equity/Assets
0.00%+0.00
NPL Ratio
2.21%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.23%-0.09
Charge-offs
0.30%+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 | 0.7 | 0.7 | 0.7 | 0.8 | 0.8 | 0.9 | 0.9 | 0.9 |
| ROE | 7.7 | 7.9 | 8.3 | 8.8 | 8.6 | 9.4 | 9.8 | 9.8 |
| Efficiency | 61.5 | 60.6 | 60.3 | 59.4 | 59.0 | 57.6 | 57.2 | 57.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.5 | 1.6 | 1.9 | 2.0 | 2.1 | 2.4 | 2.3 | 2.2 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 |
| Loan/Deposit | 87.9 | 87.0 | 85.7 | 85.5 | 83.3 | 81.2 | 81.3 | 81.2 |
Balance Sheet
Total Assets$35.0B
Total Deposits$29.6B
Total Loans$24.1B
Total Equity$3.2B
Profitability
ROA0.89%
ROE9.84%
Efficiency Ratio56.96%
Net Income$313.6M
Risk & Asset Quality
NPL Ratio2.21%
Charge-off Rate0.30%
Loan/Deposit81.23%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans