🏦Bank Scorer

CITY NATIONAL BANK OF FLORIDA

MIAMI, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1970FDIC #20,234
Outstanding Same

Current rating · Exam: August 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

25 W Flagler St, MIAMI, FL

County

Miami-Dade County

Established

August 12, 1970

Total Assets

$28.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 19, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$28.6B

Total Deposits

$22.1B

Net Loans

$20.2B

Net Income

$84M

ROA

1.19%

ROE

11.41%

Risk-Based Capital

15.48%

Regulatory minimum: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

Mortgage Denial Rate8.67%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

31

Branch Deposits

$21.5B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,24566.27%8.67%
20231,45164.92%9.44%
20221,84465.67%7.92%
20211,77165.22%8.58%
20201,59666.6%12.66%
20191,02564%15.22%
201882265.69%14.60%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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