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Terrabank, National Association
Coral Gables, FL · FDIC Certificate #26442 · Chartered 11/2
Total assets
$897.72M
Total deposits
$791.39M
Total equity
$78.18M
Net loans
$597.02M
Branches (offices)
5
Net income (YTD)
$3.12M
Rank: #1,142 of 4,213 U.S. banks by assets · #34 of 81 in Florida. Assets changed 10.6% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 8.11% |
| Net interest margin (YTD) | 3.60% |
| Equity to assets | 8.71% |
| Tier 1 leverage ratio | 9.83% |
| Uninsured deposits (share of deposits) | 49.0% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.4% |
| Real estate loans (share of loans) | 98.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $585.28M | 98.0% | |
| Commercial & industrial | $18.23M | 3.1% | |
| Consumer / individual | $1.68M | 0.3% | |
| Construction & development | $27.61M | 4.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $664.65M | $620.23M | $1.23M | $37.65M |
| Jun 2023 | $737.90M | $649.56M | $2.08M | $42.17M |
| Jun 2024 | $783.91M | $706.67M | $1.47M | $50.92M |
| Jun 2025 | $811.75M | $737.05M | $3.28M | $68.79M |
| Jun 2026 | $897.72M | $791.39M | $3.12M | $78.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $791.39M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $791.39M.
Similar-sized banks
Mechanics Cooperative Bank ($898.76M) · Fortress Bank ($897.17M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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