Banesco USA

Miami, FloridaFDIC Cert #57815

STATEEstablished 20065 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$342M
Investor CRE	$1.2B
Multifamily	$168M
Construction	$166M
1–4 family	$658M
C&I	$775M
Agriculture	$4.24M
Other	$760M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$4.07B

+20.9%y/y

Percentile by value61st percentileby value

FDICLNLSGR

Net loans

$4.03B

+21.0%y/y

Percentile by value61st percentileby value

FDICLNLSNET

Loans YoY

+21.00%

+69.9%y/y

Percentile by value90th percentileby value

FDICLNLSNET

L/D

83.6%

−3.7%y/y

Percentile by value39th percentileby value

FDICLNLSNET + DEP

Loans/assets

69.8%

−0.5%y/y

Percentile by value38th percentileby value

FDICLNLSNET + ASSET

RE loans %

62.46%

−6.5%y/y

Percentile by value22nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,596points

−7.9%y/y

Peer standing81st percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

8.40%

+21.1%y/y

Percentile by value38th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

29.47%

−9.8%y/y

Percentile by value79th percentileby value

FDICLNRENROT + LNLSGR

C&I %

19.03%

+30.8%y/y

Percentile by value69th percentileby value

FDICLNCI + LNLSGR