Bradesco BAC Florida Bank


169 Miracle Mile
Coral Gables, FL 33134
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Bradesco BAC Florida Bank
Notable Rates APY Vs.Others
Savings N.A. 2.55% →
1-Year CD N.A. 2.80% →
2-Year CD N.A. 3.20% →
5-Year CD N.A. 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Bradesco BAC Florida Bank is an FDIC insured institution located in Coral Gables, FL. It was founded in 1973 and has approximately $2.91 billion in assets.

FDIC Insured Yes
FDIC Certificate # 21265
Date Established 1973
Assets $ 2.91 billion
Loans $ 2.00 billion
Deposits $ 2.57 billion
Capital $ 261.47 million

For a more detailed analysis of Bradesco BAC Florida Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 13, 2022

Your Current Location: California, CA 92111

Online Only CD Rates of My e-Banc, a division of Bradesco BAC Florida Bank

Online CD Rates APY MIN MAX
6 Month
2.33% $5,000 - Learn More
11 Month No Penalty CD
1.92% $100,000 - Learn More
12 Month
2.79% $5,000 - Learn More
18 Month
2.99% $5,000 - Learn More
24 Month
3.20% $5,000 - Learn More
36 Month
3.51% $5,000 - Learn More

Bank Online Offers


Loan Rates - August 13, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for Bradesco BAC Florida Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 413-0477
4.851% 4.750%
0.75 points
$2,920 fees
$1,305 Learn More
Choicelend Mortgage
NMLS ID: 292770
License#: 01739645
4.455% 4.375%
1.00 points
$2,358 fees
$1,249 Learn More
First Internet Bank
NMLS ID: 424182
5.062% 4.990%
0.88 points
$2,052 fees
$1,341 Learn More
Morty, Inc.
NMLS ID: 1429243
4.697% 4.625%
0.88 points
$2,098 fees
$1,286 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Bradesco BAC Florida Bank
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Bradesco BAC Florida Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Bradesco BAC Florida Bank Locations

Climate Initiatives

Bradesco BAC Florida Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Bradesco BAC Florida Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bradesco BAC Florida Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bradesco BAC Florida Bank U.S. Bank Average
0.81% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, Bradesco BAC Florida Bank had $2,250,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $261,465,000 in equity and $17,537,000 in loans loss reserves. That gives it a Texas Ratio of 0.81%.

Return on Equity
Bradesco BAC Florida Bank U.S. Bank Average
8.13% 9.01%

Bradesco BAC Florida Bank has a Return on Equity of 8.13% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bradesco BAC Florida Bank U.S. Bank Average
8.99% 10.66%

Bradesco BAC Florida Bank has a Capitalization of 8.99% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bradesco BAC Florida Bank Balance Sheet Analysis

As of March 31, 2022, Bradesco BAC Florida Bank had assets of $2,907,288,000, loans of $2,002,738,000, and deposits of $2,568,906,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
Cash & Balances due from depository institutions $ 253.65 million
Interest-bearing balances $ 182.01 million
Total securities $ 348.00 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.00 billion
Loan loss allowance $ 17.54 million
Trading account assets $ 234.75 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.38 million
All other assets $ 64.52 million
     Total Assets $ 2.65 billion
Total deposits $ 2.57 billion
      Interest-bearing deposits $ 1,632.33 million
      Deposits held in domestic offices $ 2.57 billion
      % insured (estimated) 55.31%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 63.05 million
Subordinated debt N.A.
All other liabilities $ 13.87 million
      Total Liabilities $ 2.65 billion
      Shareholders’ Equity $ 261.47 million

Summary Income Statement

March 31, 2022
Total Interest Income $ 19.51 million
Total Interest Expense $ 1.35 million
Net interest income $ 18.15 million
Provision for loan and lease losses $ 0.31 million
Total non interest income $ 4.65 million
Total non interest expense $ 15.13 million
Pre-tax Net Operating Income $ 7.36 million

Bank Loan Profile?

The top three loan types in Bradesco BAC Florida Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Florida, Bradesco BAC Florida Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 68.58
Credit Card Loans 0.06
Consumer Auto Loans 0.00
Small Business Loans 0.34
Construction and Development Loans 0.07
Commercial Real Estate 5.19
Commercial and Industrial Loans 2.43
Farm Loans 0.00

Customer Reviews for Bradesco BAC Florida Bank

  • November 30, 2015


  • February 23, 2015

    Can I open a CD account in the name of an Inter=Vivos trust account? Do we have to visit one of your banks to open the account?

  • January 6, 2015

    I like to open cd where to start can

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*Should any logos, images or public notes appear on this page,they do so courtesy of Bradesco BAC Florida Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.