Banesco USA: how it compares with its peers
Against 9 FL banks with half to twice its assets, Banesco USA's strongest measure in Q2 2026 is efficiency ratio (53.87% vs. a 60.58% peer median). Its weakest relative measure is net interest margin (3.52% vs. 3.57%).
| Measure | Banesco USA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.19% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.52% | 3.57% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.87% | 60.58% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $11.9M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.95% | 81.10% | Context |
What it means for lending operations
Its efficiency ratio of 53.87% is better than the 60.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bradesco Bank Coral Gables, FL · $6.10B
- Emigrant Bank Miami, FL · $5.68B
- First Federal Bank Lake City, FL · $4.49B
- Capital City Bank Tallahassee, FL · $4.45B
- Ocean Bank Miami, FL · $7.63B
- Banco do Brasil Americas Miami, FL · $3.47B
Questions about Banesco USA
How big is Banesco USA?
Banesco USA, established in 2006, is headquartered in Miami, FL. It reported $5.98B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Banesco USA's return on assets?
1.47% annualized in Q2 2026, against a 1.19% median for 9 FL banks with half to twice its assets, ahead of 67% of them.
What is Banesco USA's efficiency ratio?
53.87% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 60.58%, and lower is better.
Is Banesco USA growing its loans?
Net loans grew 8.5% over the year to Q2 2026, while deposits grew 20.5%.
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.