Pibank, National Association: how it compares with its peers
Against 17 FL banks with half to twice its assets, Pibank, National Association's strongest measure in Q2 2026 is assets per employee ($18.3M vs. a $11.2M peer median). Its weakest relative measure is return on assets (-0.49% vs. 1.32%).
| Measure | Pibank, National Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.49% | 1.32% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.80% | 3.73% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 116.89% | 55.31% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.3M | $11.2M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.28% | 73.30% | Context |
What it means for lending operations
Its efficiency ratio of 116.89% is above the 55.31% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Crews Bank & Trust Wauchula, FL · $2.33B
- Cogent Bank Orlando, FL · $2.45B
- Newtek Bank, National Association Miami, FL · $2.47B
- Climate First Bank Saint Petersburg, FL · $1.94B
- U. S. Century Bank Doral, FL · $3.02B
Questions about Pibank, National Association
How big is Pibank, National Association?
Pibank, National Association, established in 1984, is headquartered in Miami, FL. It reported $2.37B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Pibank, National Association's return on assets?
-0.49% annualized in Q2 2026, against a 1.32% median for 17 FL banks with half to twice its assets, ahead of 0% of them.
What is Pibank, National Association's efficiency ratio?
116.89% in Q2 2026: it spent about 117 cents in noninterest expense for each dollar of revenue. The peer median is 55.31%, and lower is better.
Is Pibank, National Association growing its loans?
Net loans grew 76.2% over the year to Q2 2026, while deposits grew 94.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.