🏦Bank Scorer

TERRABANK NATIONAL ASSOCIATION

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

Est. 1985FDIC #26,442
Outstanding Up

Current rating · Exam: June 2023

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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 0.67%

Institution Profile

FDIC BankFind

Address

1 Alhambra Plz, CORAL GABLES, FL

County

Miami-Dade County

Established

November 21, 1985

Total Assets

$869M(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

June 5, 2023

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$869M

Total Deposits

$763M

Net Loans

$564M

Net Income

$1M

ROA

0.67%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.61%

Risk-Based Capital

16.61%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA0.67%Peer avg: 0.44%▲ Above avg
Risk-Based Capital16.61%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate0.81%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$737M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412373.17%0.81%
202319073.68%5.79%
201910177.23%10.89%
20188472.62%10.71%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam DateRatingExam Type
Jun 2023OutstandingSmall Bank
Jun 2020SatisfactoryIntermediate Small Bank
Apr 2017SatisfactoryIntermediate Small Bank

4 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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