FDIC Cert #58979 · Miami Lakes, Florida · Est. 2009

BankUnited, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$35.0B
Total assets
B
Health grade · Good
0.89%
Return on assets
12.7%
Tier 1 capital

Data updated July 2026

The verdict

BankUnited, National Association earns a PlainBankData health grade of B (71/100), with well-capitalized at 12.73% Tier 1, 0.89% ROA, efficient (57% cost ratio).

#62
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
12.73%
Tier 1 ratio - above the 10% well-capitalized line
35th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 58979 · FL B · 71/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (71/100)
  • MID-PACK #2910/4307
  • PHOTO-FINISH Loyal Trust Bank · GA
  • TIER1-WELL 12.7% Tier 1
  • TEXAS-HEALTHY 15.7% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Loyal Trust Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BankUnited

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100BankUnited, National… · FL ·…71/100Integro Bank · AZ · near71/100Loyal Trust Bank · GA · near71/100Lusitania Savings Bank · NJ …71/100Toyota Financial Sav… · NV ·…71/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BankUnited · July 2026

Call Report read for BankUnited in a high-failure state

BankUnited, National Association (FDIC Cert #58979) carries a PlainBankData health grade of B at 71/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,910 of 4,307. Tier 1 capital prints at 12.73%, clearing the 10% well-capitalized line. The Texas Ratio is 15.71%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $35.0B, 62nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Loyal Trust Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BankUnited

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

BankUnited, National Association sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about BankUnited, National Association's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How BankUnited, National Association's 71/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10071/100
BankUnited, National Association's composite health score
Tier 1 Capital Ratio (12.73%) 35/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (15.71%) 10/20
Efficiency Ratio (56.96%) 12/15

71 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$35.0B

Total balance-sheet footings

Total Deposits

$29.6B

Customer-funded liabilities

Net Loans

$24.1B

Outstanding loan book

Net Income

$314M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.33% 12.73% 14.13%
Basel III capital ratios - BankUnited, National Association

Where BankUnited, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BankUnited, National Association's score of 71/100 falls in the highlighted band.

BankUnited, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

71 32nd percentile higher than 32% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. BankUnited 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

BankUnited, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BankUnited, National Association's $35.0B falls in the highlighted band.

Capital & credit buffers at BankUnited

Tier 1 capital ratio
Well-capitalized 10%

12.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.73%
Texas Ratio
15.71%
Equity Capital
$3.2B

What these ratios mean →

Profitability metrics: BankUnited

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
9.84%
Efficiency Ratio
56.96%

What these mean →

Income & expense at BankUnited

$1.8B
Interest Income
$98M
Non-Interest Income
$637M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. BankUnited, National Association reports a Texas Ratio of 15.71% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.71% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View BankUnited, National Association on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to BankUnited, National Association by assets

Measured strictly by total assets rather than geography, BankUnited, National Association's closest national peers include Banc of California, TD Bank USA, Hancock Whitney Bank, First National Bank of Omaha, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Florida. Averaged across this asset-matched cohort, return on assets runs 1.35% (BankUnited, National Association is below that at 0.89%), the efficiency ratio averages 53.84% (BankUnited, National Association runs higher at 56.96%), and Tier 1 capital averages 15.95% (BankUnited, National Association holds less at 12.73%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $35.0B in assets, BankUnited, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to BankUnited, National Association nationally by total assets
  1. 1
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  2. 2
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

  3. 3
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  4. 4
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  5. 5
    United Bank $33.5B

    Fairfax, VA · Grade A

  6. 6
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
BankUnited, National Association (this bank) FL $35.0B 0.89% 56.96% 12.73%
Banc of California CA $34.7B 0.78% 60.49% 13.15%
TD Bank USA, National Association DE $34.6B 1.16% 58.07% 28.61%
Hancock Whitney Bank MS $35.5B 1.41% 54.48% 13.24%
First National Bank of Omaha NE $34.6B 1.51% 49.34% 11.64%
United Bank VA $33.5B 1.50% 45.99% 13.75%
Commerce Bank MO $32.7B 1.74% 54.68% 15.32%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($35.0B here), outside Florida so the neighborhood is not state containment.

Banc of California $34.7B · CA TD Bank USA $34.6B · DE Hancock Whitney Bank $35.5B · MS First National Bank of Omaha $34.6B · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BankUnited, National Association (FDIC Cert #58979) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

BankUnited, National Association Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
Raymond James BankSaint Petersburg $43.4B A 1.47%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%
Emigrant BankMiami $5.8B A 1.35%