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3121 Commodore Plaza, Third Floor
Miami, FL 33133

Biscayne Bank is headquartered in Miami and is the 72nd largest bank in the state of Florida. It is also the 1,934th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 45 employees at 3 locations. Biscayne Bank's savings rates are 92% higher than the national average, and it boasts a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Biscayne Bank had $1.5 million in non-current loans and owned real-estate with $34.69 million in equity and loan loss allowances on hand to cover it. This gives Biscayne Bank a Texas Ratio of 4.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Biscayne Bank decreased dramatically from 8.12% as of December 31, 2012 to 4.32% as of December 31, 2013, resulting in a positive change of 46.87%.This indicates that the balance sheet and financial strength for Biscayne Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Biscayne Bank has increased its total deposits by $67.45 million, resulting in 29.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Biscayne Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Biscayne Bank has $337.61 million in assets with $34.69 million in equity, resulting in a capitalization level of 10.27%, which is above average.

Institution Statistics

FDIC Certificate #57973
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$337.61 million
Loans$296.39 million
Deposits$297.50 million
Equity Capital$31.59 million
Loan Loss Allowance$3.10 million
Unbacked Noncurrent Loans$617,000
Real Estate Owned$880,000
Historic Data - December 2012
Assets$260.55 million
Equity Capital$22.96 million
Loan Loss Allowance$2.76 million
Unbacked Noncurrent Loans$617,000
Real Estate Owned$1.44 million
Profit Margin - Quarterly
Net Interest Margin3.97%
Return on Assets1.31%
Return on Equity14.97%
Interest Income$14.06 million

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Biscayne Bank Savings Account Rates

1.00%--Regular Savings Account

Biscayne Bank Money Market Rates

0.30%$100k-Money Market Account

Biscayne Bank Checking Account Rates

0.05%--Interest Checking Account
0.05%--NOW Checking

Biscayne Bank CD Rates

1.35%$20k-60 Month Time Deposit
1.25%$20k-48 Month Time Deposit
1.15%$20k-36 Month Time Deposit
1.10%$20k-24 Month Time Deposit
0.85%$20k-12 Month Time Deposit
0.60%$20k-6 Month Time Deposit
0.25%$20k-3 Month Time Deposit
0.20%$20k-1 Month Time Deposit

Biscayne Bank Locations
Biscayne Bank3121 Commodore Plaza, Third FloorMiami, FL 33133
Doral Branch3750 NW 87th AvenueDoral, FL 33178
South Miami Branch7301 Sw 57 Ct, Ste 150South Miami, FL 33143