BankUnited, Inc. (BKU): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens entwickelt sich BankUnited, Inc. (BKU) zu einem strategischen Kraftpaket, das innovative digitale Lösungen nahtlos mit personalisierten Finanzdienstleistungen verbindet. Durch die Nutzung seines robusten Netzwerks in Florida und modernster Technologie hat BankUnited ein einzigartiges Geschäftsmodell entwickelt, das verschiedene Kundensegmente bedient – ​​von kleinen Unternehmen bis hin zu vermögenden Privatpersonen – und gleichzeitig einen laserfokussierten Ansatz zur Bereitstellung außergewöhnlicher Werte durch umfassende Bankerlebnisse beibehält. Diese Untersuchung des Business Model Canvas von BankUnited enthüllt die komplizierten Mechanismen, die ihren Erfolg in einem wettbewerbsorientierten Finanzökosystem vorantreiben.

BankUnited, Inc. (BKU) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Partnerschaften mit regionalen Unternehmen und Handelsunternehmen

BankUnited unterhält strategische Partnerschaften mit mehreren regionalen Unternehmensnetzwerken in Florida. Zum vierten Quartal 2023 berichtete die Bank:

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Geografischer Fokus
Kommerzielle Unternehmenspartnerschaften	187	Florida, Südosten der USA
Netzwerkverbindungen für kleine Unternehmen	423	Metropolregionen Floridas

Zusammenarbeit mit Fintech-Unternehmen für digitale Banking-Lösungen

Zu den digitalen Banking-Partnerschaften von BankUnited gehören:

• Zusammenarbeit mit Fiserv für die Infrastruktur der Kernbankentechnologie
• Partnerschaft mit Visa für digitale Zahlungslösungen
• Technologieintegration mit Jack Henry & Partner für digitale Banking-Plattformen

Beziehungen zu Hypothekenmaklern und Immobilienfachleuten

Partnerschaftstyp	Gesamtpartner	Jährliches Hypothekenvolumen
Hypothekenmaklernetzwerk	214	1,2 Milliarden US-Dollar
Professionelle Beziehungen im Immobilienbereich	356	875 Millionen Dollar

Allianzen mit Zahlungsabwicklungs- und Technologiedienstleistern

Zu den Technologiedienstleister-Partnerschaften von BankUnited gehören:

• Mastercard für die Zahlungsabwicklungsinfrastruktur
• Stripe für die Online-Zahlungsintegration
• Plaid für die Konnektivität von Finanzdaten

Gesamtinvestitionen in Technologiepartnerschaften im Jahr 2023: 42,3 Millionen US-Dollar

BankUnited, Inc. (BKU) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

BankUnited meldete zum 31. Dezember 2023 eine Bilanzsumme von 38,9 Milliarden US-Dollar. Das Kreditportfolio der Bank bestand aus:

Gewerbeimmobilien

Wohnhypothek

Gewerbe- und Industriekredite

Verbraucherkredite

Kreditkategorie	Gesamtsaldo	Prozentsatz des Portfolios
19,3 Milliarden US-Dollar	49.6%
11,2 Milliarden US-Dollar	28.8%
6,5 Milliarden US-Dollar	16.7%
2,4 Milliarden US-Dollar	6.2%

Hypothekendarlehen und -vergabe

Im Jahr 2023 generierten die Hypothekarkreditaktivitäten von BankUnited:

• Volumen der Hypothekenvergabe: 3,6 Milliarden US-Dollar
• Einnahmen aus der Hypothekendarlehensproduktion: 127,4 Millionen US-Dollar
• Portfolio für die Verwaltung von Wohnhypotheken: 14,2 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

Technologieinvestitionen und digitale Bankkennzahlen:

Digital-Banking-Metrik	Daten für 2023
Benutzer des digitalen Bankings	342,000
Downloads von Mobile-Banking-Apps	124,000
Online-Transaktionsvolumen	18,3 Millionen
Jährliche Technologieinvestition	42,6 Millionen US-Dollar

Risikomanagement und Compliance-Überwachung

Ausgaben für Compliance und Risikomanagement für 2023:

• Budget der Compliance-Abteilung: 24,3 Millionen US-Dollar
• Investition in Risikomanagement-Technologie: 18,7 Millionen US-Dollar
• Kosten für die behördliche Prüfung: 3,2 Millionen US-Dollar

Kundenakquise und Beziehungsmanagement

Kennzahlen zur Kundenakquise und -bindung:

Kundenmetrik	Daten für 2023
Neue Kundenkonten eröffnet	87,600
Kundenbindungsrate	84.3%
Aufwendungen für Marketing und Kundenakquise	36,5 Millionen US-Dollar
Durchschnittlicher Kundenbeziehungswert	$14,200

BankUnited, Inc. (BKU) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk in Florida

Im vierten Quartal 2023 betreibt BankUnited 91 Filialen, hauptsächlich in Florida. Gesamtvermögen zum 31. Dezember 2023: 39,4 Milliarden US-Dollar.

Geografische Präsenz	Anzahl der Filialen
Florida	91
New York	5

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen im Jahr 2023: 47,3 Millionen US-Dollar.

• Mobile-Banking-Plattform mit 250.000 aktiven digitalen Nutzern
• Cloudbasiertes Kernbankensystem
• Fortschrittliche Cybersicherheitsinfrastruktur

Erfahrene Management- und Bankfachleute

Gesamtzahl der Mitarbeiter: 2.047 zum 31. Dezember 2023.

Führungserfahrung	Durchschnittliche Jahre
Leitendes Führungsteam	18,6 Jahre
Mittleres Management	12,4 Jahre

Robustes Finanzkapital und Liquidität

Finanzkennzahlen ab Q4 2023:

• Kernkapitalquote: 13,8 %
• Gesamtrisikokapitalquote: 15,2 %
• Liquiditätsdeckungsquote: 135 %

Umfassende Kundendaten- und Analysefunktionen

Investition in Datenanalyse: 22,5 Millionen US-Dollar im Jahr 2023.

Datenmetriken	Lautstärke
Kundendatensätze	1,2 Millionen
Echtzeit-Transaktionsüberwachung	95 % Abdeckung

BankUnited, Inc. (BKU) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

Ab dem 4. Quartal 2023 bietet BankUnited eine Reihe personalisierter Banklösungen mit den folgenden Schlüsselkennzahlen an:

Kundensegment	Gesamtkonten	Durchschnittlicher Kontowert
Persönliches Banking	278,456	$87,320
Geschäftsbanking	42,193	$452,670

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zinsangebote ab Januar 2024:

• Persönliche Sparkonten: 3,75 % effektiver Jahreszins
• Geschäftsgirokonten: 2,25 % Zinssatz
• Persönliche Hypothekendarlehen: Ab 6,35 %
• Gewerbliche Kredite: durchschnittlicher Zinssatz von 7,15 %

Bequeme digitale und mobile Banking-Plattformen

Kennzahlen für digitale Plattformen	Daten für 2023
Mobile-Banking-Benutzer	214,567
Online-Transaktionsvolumen	3,2 Millionen monatlich
Bewertung mobiler Apps	4.6/5

Spezialisierte Expertise in der gewerblichen Kreditvergabe

Details zum gewerblichen Kreditportfolio für 2023:

• Gesamtportfolio an gewerblichen Krediten: 4,8 Milliarden US-Dollar
• Durchschnittliche gewerbliche Kredithöhe: 1,2 Millionen US-Dollar
• Belieferte Branchen: Immobilien, Gesundheitswesen, Technologie

Lokale Marktkenntnisse und beziehungsbasierter Banking-Ansatz

Geografische Präsenz	Anzahl der Filialen	Staaten bedient
Florida	86	Primärmarkt
New York	12	Sekundärmarkt

BankUnited, Inc. (BKU) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

BankUnited unterhält in seinen Filialen in Florida ein Kundendienstteam von 423 engagierten Vertretern. Die Bank wickelt monatlich rund 157.000 Kundeninteraktionen über verschiedene Kommunikationskanäle ab.

Servicekanal	Monatliches Interaktionsvolumen
Telefonsupport	68.500 Interaktionen
Online-Chat	42.300 Interaktionen
Beratungen vor Ort	46.200 Interaktionen

Engagierte Kundenbetreuer für gewerbliche Kunden

BankUnited betreut 3.742 Geschäftskunden mit spezialisierten Relationship-Management-Teams. Die durchschnittliche Portfoliogröße pro kommerziellem Kundenbetreuer beträgt 87,6 Millionen US-Dollar.

Multi-Channel-Kommunikation

• Digitale Banking-Plattform: 214.000 aktive Benutzer
• Mobile Banking App: 189.000 registrierte Benutzer
• Online-Banking: 76 % des gesamten Kundenstamms

Proaktive Finanzberatungsdienste

BankUnited bietet Finanzberatungsdienstleistungen für 22 % seines gesamten Kundenstamms an, mit einer durchschnittlichen Beratungsdauer von 47 Minuten.

Beratungsdiensttyp	Anzahl der betreuten Kunden
Vermögensverwaltung	8.600 Kunden
Ruhestandsplanung	12.400 Kunden
Anlageberatung	6.900 Kunden

Treueprogramme und maßgeschneiderte Banklösungen

Das Treueprogramm von BankUnited umfasst 67.500 aktive Teilnehmer mit einem durchschnittlichen jährlichen Prämienwert von 215 US-Dollar pro Kunde.

• Rewards-Kreditkarte: 42.000 aktive Karteninhaber
• Premium-Banking-Paket: 18.500 Abonnenten
• Jährliche Kundenbindungsrate: 84,3 %

BankUnited, Inc. (BKU) – Geschäftsmodell: Kanäle

Online-Banking-Plattform

Im vierten Quartal 2023 bedient die Online-Banking-Plattform von BankUnited 274.000 aktive Digital-Banking-Nutzer. Die Plattform verarbeitet monatlich etwa 1,2 Millionen digitale Transaktionen mit einer Verfügbarkeitsrate von 99,7 %.

Digitale Kanalmetrik	Statistik 2023
Aktive Digital-Banking-Nutzer	274,000
Monatliche digitale Transaktionen	1,200,000
Plattformverfügbarkeit	99.7%

Mobile-Banking-Anwendung

Die mobile App von BankUnited hat 189.000 aktive Mobile-Banking-Nutzer mit einer Bewertung von 4,5/5 sowohl im Apple App Store als auch im Google Play Store. Die App unterstützt Kontoüberwachung in Echtzeit, mobile Scheckeinzahlung und Peer-to-Peer-Zahlungen.

• Mobile App-Downloads: 342.000
• Aktive mobile Nutzer: 189.000
• App Store-Bewertungen: 4,5/5

Physisches Filialnetz in Florida

BankUnited unterhält 95 physische Filialen in ganz Florida, die sich auf wichtige Ballungsräume wie Miami, Orlando und Tampa konzentrieren.

Filialverteilung	Anzahl der Standorte
Gesamtzahl der Filialen in Florida	95
Metropolregion Miami	37
Metropolregion Orlando	28
Metropolregion Tampa	22

ATM-Netzwerk

BankUnited betreibt 142 eigene Geldautomaten in ganz Florida und unterhält über das Allpoint-Netzwerk landesweit Partnerschaften mit 30.000 gebührenfreien Geldautomaten.

• Eigene Geldautomaten: 142
• Gebührenfreie Netzwerk-Geldautomaten: 30.000
• Durchschnittliche monatliche Geldautomatentransaktionen: 876.000

Kundendienst-Callcenter

BankUnited betreibt zwei Kundenservice-Callcenter, die durchschnittlich 62.500 Kundeninteraktionen pro Monat mit a abwickeln 92 % Lösungsrate beim ersten Anruf.

Callcenter-Metrik	Leistung 2023
Monatliche Kundeninteraktionen	62,500
Lösungsrate beim ersten Anruf	92%
Durchschnittliche Wartezeit	3,7 Minuten

BankUnited, Inc. (BKU) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

BankUnited betreut rund 7.500 kleine und mittlere Geschäftskunden in Florida und ausgewählten Märkten. Gesamtes gewerbliches Kreditportfolio für KMU: 4,2 Milliarden US-Dollar, Stand 4. Quartal 2023.

Geschäftssegment	Gesamtzahl der Kunden	Durchschnittliche Kredithöhe
Kleinstunternehmen	3,200	$250,000
Kleine Unternehmen	2,900	$750,000
Mittlere Unternehmen	1,400	1,5 Millionen Dollar

Gewerbliche Immobilieninvestoren

Gewerbliches Immobilienkreditportfolio: 6,8 Milliarden US-Dollar. Aktiv in 12 Metropolmärkten.

• Gesamtkundenzahl im Gewerbeimmobilienbereich: 1.250
• Durchschnittlicher Transaktionswert: 3,2 Millionen US-Dollar
• Geografische Konzentration: 65 % des Marktes in Florida

Vermögende Privatpersonen

Das Private-Banking-Segment betreut Privatpersonen mit einem investierbaren Vermögen von mehr als 5 Millionen US-Dollar. Gesamter vermögender Kundenstamm: 1.100.

Asset-Bereich	Anzahl der Kunden	Durchschnittlicher Portfoliowert
5-10 Millionen Dollar	680	7,2 Millionen US-Dollar
10-25 Millionen Dollar	320	15,5 Millionen US-Dollar
25+ Millionen US-Dollar	100	42,3 Millionen US-Dollar

Lokale Verbraucher in Florida

Gesamtkundenzahl im Privatkundengeschäft: 285.000. Hauptsächlich in den Ballungsräumen Floridas konzentriert.

• Girokonten: 210.000
• Sparkonten: 175.000
• Durchschnittliche Kundeneinzahlung: 42.500 $

Professionelle Dienstleister

Das Zielsegment umfasst Anwälte, Ärzte, Buchhalter und Freiberufler. Gesamter professioneller Kundenstamm: 2.300.

Professionelle Kategorie	Anzahl der Kunden	Durchschnittlicher Geschäftsbankertrag
Medizinische Fachkräfte	850	$580,000
Juristen	650	$420,000
Wirtschaftsprüfungsgesellschaften	450	$350,000
Andere Fachleute	350	$275,000

BankUnited, Inc. (BKU) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Im vierten Quartal 2023 beliefen sich die gesamten Mitarbeitervergütungsaufwendungen von BankUnited auf 361,7 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Ausgabenkategorie	Betrag ($)
Grundgehälter	248,500,000
Leistungsprämien	62,300,000
Leistungen an Arbeitnehmer	50,900,000

Wartung von Technologie und Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 87,4 Millionen US-Dollar, darunter:

• Wartung der IT-Systeme: 42,6 Millionen US-Dollar
• Investitionen in Cybersicherheit: 22,8 Millionen US-Dollar
• Upgrades der digitalen Banking-Plattform: 22,0 Millionen US-Dollar

Filialbetrieb und Netzwerkkosten

Die Betriebskosten des Filialnetzes beliefen sich im Jahr 2023 auf 129,5 Millionen US-Dollar und waren wie folgt strukturiert:

Ausgabenkategorie	Betrag ($)
Miete und Wartung der Anlage	53,200,000
Versorgungsunternehmen und Betrieb	37,900,000
Filialnetzwerkmanagement	38,400,000

Einhaltung gesetzlicher Vorschriften und Risikomanagement

Die Compliance-bezogenen Ausgaben für 2023 beliefen sich auf 64,3 Millionen US-Dollar:

• Kosten für die behördliche Berichterstattung: 22,7 Millionen US-Dollar
• Risikomanagementsysteme: 26,5 Millionen US-Dollar
• Personal für Recht und Compliance: 15,1 Millionen US-Dollar

Kosten für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 45,2 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	18,600,000
Traditionelle Werbung	14,300,000
Kundengewinnungsprogramme	12,300,000

BankUnited, Inc. (BKU) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 meldete BankUnited einen Gesamtzinsertrag von 1,35 Milliarden US-Dollar. Aufschlüsselung der Zinsertragsquellen:

Einnahmequelle	Betrag ($)
Kredite und Leasing	1,087,000,000
Anlagewertpapiere	263,000,000

Gebühren für die Vergabe von Hypotheken

Hypothekenbezogene Einnahmen für 2023:

• Gesamtgebühren für die Hypothekenvergabe: 78,4 Millionen US-Dollar
• Hypothekendarlehensvolumen: 2,6 Milliarden US-Dollar

Gebühren für digitale Bankdienstleistungen

Einzelheiten zu den Gebühreneinnahmen für digitale Bankdienstleistungen:

Servicekategorie	Umsatz ($)
Kontoführungsgebühren	42,500,000
Online-Transaktionsgebühren	23,600,000

Gebühren für Geschäftsbanktransaktionen

Aufschlüsselung der Einnahmen aus den Geschäftsbankgebühren:

• Gesamtgebühren für Geschäftsbanktransaktionen: 95,7 Millionen US-Dollar
• Gebühren für Unternehmens-Treasury-Dienstleistungen: 45,3 Millionen US-Dollar
• Cash-Management-Gebühren: 50,4 Millionen US-Dollar

Umsatz aus Vermögensverwaltung und Beratungsdienstleistungen

Umsatzstatistik der Vermögensverwaltung für 2023:

Servicetyp	Umsatz ($)
Anlageberatungsgebühren	37,200,000
Vermögensverwaltungsgebühren	62,800,000

BankUnited, Inc. (BKU) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose BankUnited, Inc. over the competition as of late 2025. It's about delivering stability and specialized service where it counts.

Exceptional, relationship-driven service for commercial clients

BankUnited, Inc. emphasizes deep relationships, especially with middle-market and large companies, evidenced by the expansion of corporate banking and CRE executive teams into new markets like Charlotte, North Carolina, in 2025. The Chief Operating Officer noted that client sentiment, both on the commercial and CRE sides, felt 'pretty optimistic' heading into the end of the year. This suggests the relationship focus is resonating with the target audience.

• Client optimism noted in CRE markets heading into the end of 2025 and next year.
• Expansion efforts in the Southeast, including new teams in Charlotte, North Carolina.

Financial stability and security, recognized as a trustworthy company in 2025

Trust is built on capital strength. BankUnited, Inc. maintained a robust capital position through the third quarter of 2025. This financial footing is a primary value proposition for clients seeking a secure place for their funds.

Metric	Value (as of September 30, 2025)
Common Equity Tier 1 (CET1) Ratio	12.5%
Tangible Common Equity/Tangible Assets	8.4%
Tangible Book Value per Common Share	$39.27
Year-over-Year Tangible Book Value per Share Increase	8%
Non-Performing Asset (NPA) Ratio	1.10%
Trailing Twelve Month Net Charge-Off Ratio	0.27%

The low NPA ratio and consistent credit performance signal strong underwriting discipline. Honestly, a CET1 ratio of 12.5% is a clear indicator of stability.

Tailored commercial lending solutions, including specialized CRE and C&I products

BankUnited, Inc. tailors its commercial offerings, though the mix shifts based on strategy. For instance, while the core Commercial & Industrial (C&I) portfolio declined by $130 million for the quarter ended September 30, 2025, the Commercial Real Estate (CRE) portfolio segments actually grew by $61 million. Mortgage Warehouse Lending (MWL) also saw significant growth of $83 million in the same period.

The CRE portfolio is managed with specific risk parameters in mind:

• CRE Exposure as a percentage of total loans: 28%.
• CRE Exposure as a percentage of total risk-based capital: 185%.
• Weighted Average Loan-to-Value (LTV) for the CRE portfolio: 54.6%.
• Weighted Average Debt Service Coverage Ratio (DSCR) for the CRE portfolio: 1.77.

This shows a focus on specific, managed commercial credit niches.

High-yield savings and efficient digital tools for individual consumers

For the consumer side, the value proposition centers on cost-effective funding and digital efficiency. BankUnited, Inc. has actively managed its funding mix to lower costs, which directly benefits the net interest margin. Total deposits stood at $28.618 billion as of September 30, 2025.

The focus on lower-cost deposits is clear:

• Average cost of total deposits for Q3 2025: 2.38%.
• Spot Annual Percentage Yield (APY) of total deposits at September 30, 2025: 2.31%.
• Non-Interest-Bearing Demand Deposits (NIDDA) at September 30, 2025: $8.6 billion.
• NIDDA as a percentage of total deposits: 30%.

This shift in mix helped the Net Interest Margin (NIM) reach 3.00% for the quarter, a near-term target achieved a quarter early.

Expertise in niche verticals like HOA Banking and National Title Solutions

BankUnited, Inc. services specialized areas beyond core commercial and consumer banking. Management acknowledged the specific dynamics of these segments during the Q3 2025 call. They noted experiencing normal seasonal fluctuations in the title business and, to a lesser extent, in HOA and government banking during that quarter.

The bank also reported achieving $1.2 billion in non-broker deposit growth over the last 12 months, which speaks to the success of their broader deposit acquisition strategy, including these specialized platforms.

Finance: draft 13-week cash view by Friday.

BankUnited, Inc. (BKU) - Canvas Business Model: Customer Relationships

You're looking at how BankUnited, Inc. builds and maintains its connections with customers, which is key for a bank with total assets of $35.1 billion as of September 30, 2025. The relationship strategy clearly segments between high-touch commercial service and broad digital access for all clients.

Dedicated relationship managers for commercial and middle-market clients

For its commercial and middle-market companies, BankUnited, Inc. focuses on deep sector relationships. This is evident in the composition of its deposit base, which shows strong vertical concentrations. You see this focus in the largest industry verticals contributing to the deposit book as of September 30, 2025:

• National Title Solutions: $4.7 billion
• National HOA: $2.1 billion

This concentration suggests dedicated teams manage these relationships, which is typical for clients requiring complex treasury and cash management solutions.

High-touch, personalized service model in banking centers

The physical footprint supports a personalized service approach in key markets. BankUnited, Inc. maintains banking centers across Florida, the New York metropolitan area, and Dallas, Texas. The bank also has operations in Morristown, New Jersey, and Charlotte, North Carolina. This physical presence allows for face-to-face interaction, which is the foundation of a high-touch model for local commercial and retail clients.

Self-service digital banking app for 24/7 account management

To complement the in-person service, BankUnited, Inc. supports a robust digital experience. While specific BankUnited, Inc. app usage numbers aren't public, the broader market context shows this is a necessity: over 83% of U.S. adults used digital banking services as of 2025. Furthermore, 77% of consumers prefer managing accounts via a mobile app or computer, and 96% of consumers rate their mobile and online banking experience as good, very good, or excellent.

Proactive treasury and cash management support for businesses

The success of the deposit strategy reflects strong engagement with business clients needing cash management. A key metric here is the growth and composition of non-interest bearing demand deposits (NIDDA), which are often the bedrock of commercial operating accounts. The bank's focus on attracting these low-cost funds shows success in winning core business relationships. Here's a look at the deposit composition trend:

Metric	September 30, 2025	June 30, 2025	March 31, 2025
NIDDA as % of Total Deposits	30%	29%	29%
Total Deposits (in Billions)	Implied	$28.65	Implied (Grew by $192M QoQ)
Year-over-Year NIDDA Growth	$990 million	$581 million (QoQ Growth)	$830 million (YoY Growth)

The year-over-year NIDDA growth of $990 million as of September 30, 2025, points directly to successful acquisition and retention of business operating accounts requiring treasury support.

Long-term focus, aiming to be a financial advocate for clients

The tangible result of a successful long-term relationship focus is the accretion of shareholder value, which reflects the underlying stability of the client base. Tangible book value per common share (TBBVPS) growth is a good indicator of this long-term value creation for stakeholders, which often mirrors client retention success. The TBBVPS grew to $39.27 at September 30, 2025, up from $38.23 at June 30, 2025. That's an 8% year-over-year increase in TBBVPS from September 30, 2024's $36.52.

Finance: draft 13-week cash view by Friday.

BankUnited, Inc. (BKU) - Canvas Business Model: Channels

You're looking at how BankUnited, Inc. gets its value proposition-relationship-driven commercial and consumer banking-out to its customers as of late 2025. The channel strategy blends a traditional, localized physical presence with increasingly important national and digital capabilities, supporting total assets of $35.1 billion as of September 30, 2025.

The physical footprint is anchored in key markets, which is how BankUnited, Inc. serves its core consumer and middle-market clients face-to-face. This is definitely a regional play first, with expansion into high-growth areas.

• Physical banking centers in Florida and the New York metropolitan area.
• Commercial offices in expansion markets like Dallas and Atlanta.

We can map out the known physical and key office presence based on recent disclosures:

Geographic Channel Type	Location(s)	Data Point/Scale
Retail/Consumer Banking Centers	Florida	Over 100 branches
Retail/Consumer Banking Centers	New York metropolitan area	6 banking centers
Corporate/Commercial Office	Atlanta, Georgia	Office focused on the Southeast region
Corporate/Commercial Office	Dallas, Texas	Part of the operational footprint
Corporate/Commercial Office	Charlotte, North Carolina	New corporate banking office announced
Corporate/Commercial Office	Morristown, New Jersey	New corporate banking office announced

The bank also supports its commercial lending focus with national platforms, which is how it reaches beyond its physical branch footprint for specific product distribution. This is key for relationship-based lending that doesn't require a local branch for every transaction.

• National platforms for commercial lending and deposit gathering.

For the consumer and small business segments, the digital channel is the always-on access point. While specific user counts aren't public, the bank offers a broad range of online services and treasury management tools for businesses. This digital layer supports the overall relationship strategy.

The final, and perhaps most critical, channel for the high-value Commercial & Industrial (C&I) and Commercial Real Estate (CRE) business lines is the direct sales force. These are the relationship managers driving the core commercial loan book, which totaled $23.93 billion at the end of Q2 2025. The CRE exposure specifically represented 28% of total loans at September 30, 2025. This sales force is the human element that connects the bank's capital to complex commercial needs.

• Direct sales force for Commercial & Industrial (C&I) and Commercial Real Estate (CRE).

Finance: draft the Q4 2025 channel utilization report by next Tuesday.

BankUnited, Inc. (BKU) - Canvas Business Model: Customer Segments

You're looking at the core groups BankUnited, Inc. serves as of late 2025. Honestly, the customer base is segmented by the type of banking relationship, heavily leaning toward commercial and real estate clients, though they maintain a strong local deposit foundation.

BankUnited, Inc. serves a diverse set of clients, but their primary focus is clearly commercial and real estate-related banking, supported by a substantial deposit base. At September 30, 2025, BankUnited, Inc. reported total assets of $35.1 billion and total deposits of $28.6 billion across its operating footprint.

Small and Middle-Market Businesses Seeking Commercial Loans and Treasury Solutions

This group is central to BankUnited, Inc.'s lending strategy, focusing on Commercial and Industrial (C&I) loans and Commercial Real Estate (CRE) financing, alongside treasury management services. While the overall core commercial portfolio saw a net decline of $69 million in balances for the quarter ended September 30, 2025, this was a net of movements within the sub-segments. Specifically, the C&I portfolio declined by $130 million, while the CRE portfolio actually grew by $61 million during that same period. The bank also supports this segment with treasury solutions, evidenced by Non-Interest Bearing Demand Deposits (NIDDA) representing 30% of total deposits at September 30, 2025.

Here's a look at how their core commercial lending segments performed in Q3 2025:

Commercial Segment	Q3 2025 Net Change in Balances	ACL to Loans Ratio (as of 9/30/2025)
Core C&I and CRE (Combined)	Down $69 million	N/A (Commercial Portfolio Sub-segments combined ratio was 1.35%)
Commercial Real Estate (CRE)	Up $61 million	1.35% (Commercial Portfolio Sub-segments)
Commercial & Industrial (C&I)	Down $130 million	1.35% (Commercial Portfolio Sub-segments)
Mortgage Warehouse Lending (MWL)	Up $83 million	N/A

Large Corporations and Institutions

BankUnited, Inc. serves large corporations and institutions primarily through its commercial lending platforms and deposit gathering capabilities, including national platforms for certain products. The bank's ability to attract and retain large, stable deposits is a key indicator of its relationship with this segment. For instance, Non-Interest Bearing Demand Deposits (NIDDA), which often come from larger commercial entities, grew by $990 million year-over-year as of September 30, 2025.

Specialized Segments like Homeowners Association (HOA) Banking

The bank has carved out specific niches, one of which is HOA banking. This specialized service is a notable component of their deposit base. At September 30, 2025, the deposits associated with the National HOA vertical totaled $2.1 billion. This focus suggests a deep relationship with property management companies and the associations they serve.

For context on other specialized deposit verticals:

• National Title Solutions deposits: $4.7 billion as of September 30, 2025.
• Total Deposits: $28.6 billion as of September 30, 2025.

Customers in the Florida and New York Tri-State Area, Plus New Southeast/Texas Markets

Geographic concentration remains high in the traditional core markets, but the bank is actively expanding its commercial focus into the Southeast and Texas. At September 30, 2025, BankUnited, Inc. was headquartered in Miami Lakes, Florida, with operations in Florida, New York, Dallas, Atlanta, Morristown, New Jersey, and Charlotte, North Carolina. The Commercial Real Estate (CRE) portfolio collateral distribution clearly shows this concentration:

• CRE Portfolio collateral located in Florida: 49%.
• CRE Portfolio collateral located in the New York tri-state area: 22%.

The management noted that this concentration is expected to decrease over time as they build out their presence in the Atlanta, Southeast, and Texas markets. For the CRE office sub-segment specifically, the concentration was even higher in Florida at 61%, with 18% in the New York tri-state area.

High-Net-Worth Individuals and Families

While BankUnited, Inc. provides a full range of consumer banking products to individuals, the public financial reporting focuses on aggregate deposit and loan categories rather than a specific, quantified segment for High-Net-Worth (HNW) individuals. The general consumer base contributes to the total deposits of $28.6 billion. The bank emphasizes relationship-driven service, which is the mechanism used to serve this client type alongside its commercial focus.

The loan-to-deposit ratio stood at 82.8% on September 30, 2025.

BankUnited, Inc. (BKU) - Canvas Business Model: Cost Structure

You're looking at the cost side of BankUnited, Inc.'s (BKU) operations as of late 2025. The primary cost drivers center on funding the balance sheet and managing the operational overhead, which includes personnel and compliance.

Interest expense on deposits and borrowings is definitely a focus area, as it directly impacts the Net Interest Margin (NIM). BankUnited, Inc. has been actively managing its funding mix to lower this cost, for example, by redeeming $400 million of outstanding senior debt in August 2025. The cost of funding has been trending down, which helped the NIM reach 3.00% in Q3 2025.

Here's a quick look at the cost of funding for the quarter ended September 30, 2025:

Cost Metric	Q3 2025 Rate/Amount
Average Cost of Total Deposits	2.38%
Spot APY of Total Deposits (9/30/2025)	2.31%
Average Cost of Interest Bearing Liabilities	3.52%
Average Cost of Interest Bearing Deposits	3.40%

Significant personnel and compensation costs for relationship-driven teams are embedded within the total non-interest expense. For the third quarter of 2025, total non-interest expense was reported at $166 million or $166.2 million. The increase in this category quarter-over-quarter was explicitly attributed to higher employee compensation and benefits costs, alongside technology spending.

Management has provided guidance on overall expense control for the full year 2025. Specifically, non-interest expense growth trimmed to approximately 3% for the full year 2025. This indicates a conscious effort to keep the expense base growing slower than in prior years, despite inflationary pressures on salaries and technology investment.

The cost associated with managing credit risk is reflected in the provision. The provision for credit losses, which was $11.6 million in Q3 2025, compared to $15.7 million in the immediately preceding quarter. This figure represents management's estimate of lifetime expected credit losses.

Other key components feeding into the non-interest expense include ongoing investments in the infrastructure necessary to operate in a regulated environment. You see this reflected in:

• Technology costs contributing to the rise in non-interest expenses for Q3 2025.
• Costs associated with regulatory compliance, which are a persistent, non-discretionary expense for BankUnited, Inc.
• Lower deposit insurance expense provided some offset to these rising costs.

Finance: draft 13-week cash view by Friday.

BankUnited, Inc. (BKU) - Canvas Business Model: Revenue Streams

The revenue streams for BankUnited, Inc. (BKU) are fundamentally anchored in its traditional banking model, heavily reliant on the spread between its earning assets and its funding costs.

Net Interest Income (NII) remains the primary driver of revenue. For the quarter ended September 30, 2025, BankUnited, Inc. reported Net Interest Income of $250.1 million. This represented a sequential increase of $4.0 million compared to the immediately preceding quarter. Year-over-year, NII grew by $16.0 million, or 7%. A key component supporting this was the expansion of the Net Interest Margin (NIM), calculated on a tax-equivalent basis, which reached 3.00% in Q3 2025. This 3.00% NIM was an expansion of 0.07% from the 2.93% reported in Q2 2025, achieving the near-term target a quarter early.

Here's a quick look at the core NII drivers for Q3 2025:

Metric	Q3 2025 Value	Comparison to Q2 2025
Net Interest Income (NII)	$250.1 million	Up $4.0 million
Net Interest Margin (NIM)	3.00%	Up 7 basis points
Average Yield on Loans	5.53%	Down 0.02%
Cost of Deposits	2.38%	Down 0.09%

The full-year 2025 revenue for BankUnited, Inc. is expected to be around $1.09 billion, based on analyst estimates. The reported quarterly revenue for Q3 2025 was $275.68 million, which was up 7.3% year-over-year.

Non-interest income, derived from fee-based services, showed strong core growth, contributing $25.6 million in Q3 2025. This figure represented an 11.7% rise, mainly driven by increases in deposit service charges and fees. BankUnited, Inc. continues to generate revenue from various service charges on deposit accounts and treasury management fees, particularly for its business clients.

The interest generated from the loan portfolio, especially the Commercial Real Estate (CRE) and Commercial & Industrial (C&I) segments, is crucial. At the end of Q3 2025, period-end core C&I and CRE loans totaled $15,090 million. While the overall loan portfolio saw a sequential decline, management noted expectations for core C&I to show low-single-digit growth for the full year 2025. For context, in the prior quarter (Q2 2025), the CRE portfolio grew by $267 million, while the C&I portfolio declined by $199 million.

You can see examples of the specific fee amounts charged across consumer and business accounts, which feed into the non-interest income stream:

• Service charges on consumer deposit accounts include a Domestic Collection fee of $15.
• Consumer ATM Access at a Non-BankUnited ATM is charged at $2.50 per transaction.
• A Legal Processing Fee for garnishments or levies on consumer accounts is $100.
• Business accounts may incur an Insufficient Funds fee of $35 per item.
• Domestic Outgoing Wire Transfers for business clients are $25.
• Treasury management services are offered through portals like eSolutions Account Management Portal for $225 (monthly fee).