Explore the banking institutions serving the Miami commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in Miami, by Assets
Institutions headquartered in the Miami metro. Ranked by total (bank-wide) assets — not a measure of Miami-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | BankUnited, National Association | $34.86bn |
| 2 | City National Bank of Florida | $29.11bn |
| 3 | Amerant Bank, National Association | $10.27bn |
| 4 | Ocean Bank | $7.63bn |
| 5 | Bradesco Bank | $6.10bn |
| 6 | Banesco USA | $5.98bn |
| 7 | Emigrant Bank | $5.68bn |
| 8 | Banco do Brasil Americas | $3.47bn |
| 9 | U. S. Century Bank | $3.02bn |
| 10 | Newtek Bank, National Association | $2.47bn |
| 11 | Pibank, National Association | $2.37bn |
| 12 | International Finance Bank | $1.62bn |
| 13 | Pacific National Bank | $1.61bn |
| 14 | Grove Bank & Trust | $1.41bn |
| 15 | OptimumBank | $1.39bn |
Largest CRE Books, Headquartered in Miami
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | City National Bank of Florida | $9.16bn |
| 2 | BankUnited, National Association | $6.88bn |
| 3 | Ocean Bank | $4.41bn |
| 4 | Amerant Bank, National Association | $2.38bn |
| 5 | Banesco USA | $1.43bn |
| 6 | Emigrant Bank | $1.22bn |
| 7 | U. S. Century Bank | $1.11bn |
| 8 | OptimumBank | $0.69bn |
| 9 | International Finance Bank | $0.67bn |
| 10 | Pacific National Bank | $0.63bn |
| 11 | Pibank, National Association | $0.59bn |
| 12 | Newtek Bank, National Association | $0.47bn |
| 13 | Banco do Brasil Americas | $0.43bn |
| 14 | Grove Bank & Trust | $0.42bn |
| 15 | Terrabank, National Association | $0.35bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in Miami, by Deposits
Institutions with at least one Miami branch. Ranked by deposits actually booked at a Miami office — real local presence, unlike the assets table above.
| # | Institution | Miami deposits | Miami branches | Largest office |
|---|---|---|---|---|
| 1 | Bank of America, National Association | $53.80bn | 159 | 12% |
| 2 | JPMorgan Chase Bank, National Association | $41.73bn | 174 | 6% |
| 3 | Wells Fargo Bank, National Association | $37.44bn | 160 | 18% |
| 4 | Citibank, National Association | $22.20bn | 53 | 27% |
| 5 | City National Bank of Florida | $20.86bn | 29 | 59% |
| 6 | Truist Bank | $20.62bn | 117 | 25% |
| 7 | BankUnited, National Association | $20.17bn | 36 | 68% |
| 8 | TD Bank, National Association | $11.89bn | 80 | 4% |
| 9 | PNC Bank, National Association | $8.78bn | 63 | 41% |
| 10 | Amerant Bank, National Association | $8.22bn | 20 | 60% |
| 11 | Ocean Bank | $6.10bn | 23 | 69% |
| 12 | First Horizon Bank | $5.76bn | 29 | 16% |
| 13 | Regions Bank | $5.65bn | 59 | 18% |
| 14 | The Northern Trust Company | $4.56bn | 8 | 56% |
| 15 | Bradesco Bank | $4.23bn | 1 | 100% |
City National Bank of Florida: $12.2B of its Miami deposits are booked at a single Coral Gables office; its other 28 Miami branches hold $8.6B. BankUnited, National Association: $13.8B of its Miami deposits are booked at a single Miami Lakes office; its other 35 Miami branches hold $6.4B. Amerant Bank, National Association: $5.0B of its Miami deposits are booked at a single Coral Gables office; its other 19 Miami branches hold $3.3B. Ocean Bank: $4.2B of its Miami deposits are booked at a single Miami office; its other 22 Miami branches hold $1.9B. Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most Miami Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | Miami branches | Miami deposits |
|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 174 | $41.73bn |
| 2 | Wells Fargo Bank, National Association | 160 | $37.44bn |
| 3 | Bank of America, National Association | 159 | $53.80bn |
| 4 | Truist Bank | 117 | $20.62bn |
| 5 | TD Bank, National Association | 80 | $11.89bn |
| 6 | PNC Bank, National Association | 63 | $8.78bn |
| 7 | Regions Bank | 59 | $5.65bn |
| 8 | Citibank, National Association | 53 | $22.20bn |
| 9 | BankUnited, National Association | 36 | $20.17bn |
| 10 | City National Bank of Florida | 29 | $20.86bn |
| 11 | First Horizon Bank | 29 | $5.76bn |
| 12 | Ocean Bank | 23 | $6.10bn |
| 13 | Flagstar Bank, National Association | 23 | $3.10bn |
| 14 | Seacoast National Bank | 22 | $3.59bn |
| 15 | Fifth Third Bank, National Association | 22 | $2.10bn |
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in Miami, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the Miami-Fort Lauderdale-West Palm Beach MSA (FDIC MSA code 33100) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the Miami MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a Miami branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical Miami presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.