BankUnited, Inc. (BKU): Canvas del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, Bankunited, Inc. (BKU) surge como una potencia estratégica, combinando sin problemas soluciones digitales innovadoras con servicios financieros personalizados. Al aprovechar su robusta red y tecnología de vanguardia con sede en Florida, Bankunited ha creado un modelo de negocio único que atiende a diversos segmentos de clientes, desde pequeñas empresas hasta personas de alto nivel de red, al tiempo que mantiene un enfoque centrado en el láser para ofrecer un valor excepcional de valor excepcional a través de experiencias bancarias integrales. Esta exploración del lienzo de modelo de negocio de Bankunited presenta los intrincados mecanismos que impulsan su éxito en un ecosistema financiero competitivo.

Bankunited, Inc. (BKU) - Modelo de negocio: asociaciones clave

Asociaciones estratégicas con empresas regionales y empresas comerciales

Bankunited mantiene asociaciones estratégicas con varias redes comerciales regionales en Florida. A partir del cuarto trimestre de 2023, el banco informó:

Categoría de asociación	Número de asociaciones	Enfoque geográfico
Asociaciones empresariales comerciales	187	Florida, el sureste de los Estados Unidos
Conexiones de red de pequeñas empresas	423	Áreas metropolitanas de Florida

Colaboración con empresas fintech para soluciones de banca digital

Las asociaciones de banca digital de Bankunited incluyen:

• Colaboración con Fiserv para la infraestructura de tecnología bancaria central
• Asociación con Visa para soluciones de pago digital
• Integración tecnológica con Jack Henry & Asociados para plataformas de banca digital

Relaciones con corredores hipotecarios y profesionales de bienes raíces

Tipo de asociación	Total Socios	Volumen de hipoteca anual
Red de corredores de hipotecas	214	$ 1.2 mil millones
Relaciones profesionales de bienes raíces	356	$ 875 millones

Alianzas con proveedores de servicios de procesamiento de pagos y tecnología

Las asociaciones de proveedores de servicios de tecnología de Bankunited incluyen:

• MasterCard para infraestructura de procesamiento de pagos
• Stripe para integración de pagos en línea
• Plaid para la conectividad de datos financieros

Inversiones de Asociación Total de Tecnología en 2023: $ 42.3 millones

Bankunited, Inc. (BKU) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

Bankunited informó activos totales de $ 38.9 mil millones al 31 de diciembre de 2023. La cartera de préstamos del banco consistió en:

Inmobiliario comercial

Hipoteca residencial

Préstamos comerciales e industriales

Préstamos al consumo

Categoría de préstamo	Saldo total	Porcentaje de cartera
$ 19.3 mil millones	49.6%
$ 11.2 mil millones	28.8%
$ 6.5 mil millones	16.7%
$ 2.4 mil millones	6.2%

Préstamo y origen hipotecario

En 2023, las actividades de préstamo hipotecario de Bankunited generaron:

• Volumen de origen de la hipoteca: $ 3.6 mil millones
• Ingresos de producción de préstamos hipotecarios: $ 127.4 millones
• Cartera de servicios de hipotecas residenciales: $ 14.2 mil millones

Desarrollo de la plataforma de banca digital

Inversiones tecnológicas y métricas de banca digital:

Métrica de banca digital	2023 datos
Usuarios bancarios digitales	342,000
Descargas de aplicaciones de banca móvil	124,000
Volumen de transacciones en línea	18.3 millones
Inversión tecnológica anual	$ 42.6 millones

Gestión de riesgos y monitoreo de cumplimiento

Gastos de cumplimiento y gestión de riesgos para 2023:

• Presupuesto del departamento de cumplimiento: $ 24.3 millones
• Inversión en tecnología de gestión de riesgos: $ 18.7 millones
• Costos de examen regulatorio: $ 3.2 millones

Adquisición de clientes y gestión de relaciones

Métricas de adquisición y retención de clientes:

Métrica del cliente	2023 datos
Nuevas cuentas de clientes abiertas	87,600
Tasa de retención de clientes	84.3%
Gastos de marketing y adquisición de clientes	$ 36.5 millones
Valor de relación promedio al cliente	$14,200

Bankunited, Inc. (BKU) - Modelo de negocio: recursos clave

Red bancaria regional fuerte en Florida

A partir del cuarto trimestre de 2023, Bankunited opera 91 sucursales ubicadas principalmente en Florida. Activos totales al 31 de diciembre de 2023: $ 39.4 mil millones.

Presencia geográfica	Número de ramas
Florida	91
Nueva York	5

Infraestructura avanzada de tecnología de banca digital

Inversión tecnológica en 2023: $ 47.3 millones.

• Plataforma de banca móvil con 250,000 usuarios digitales activos
• Sistema bancario central basado en la nube
• Infraestructura avanzada de ciberseguridad

Profesionales de gestión y banca experimentados

Total de empleados: 2,047 al 31 de diciembre de 2023.

Experiencia de liderazgo	Años promedio
Equipo ejecutivo senior	18.6 años
Gerencia media	12.4 años

Capital financiero y liquidez robustos

Métricas financieras a partir del cuarto trimestre 2023:

• Relación de capital de nivel 1: 13.8%
• Relación total de capital basado en el riesgo: 15.2%
• Relación de cobertura de liquidez: 135%

Capacidades integrales de datos y análisis de clientes

Inversión de análisis de datos: $ 22.5 millones en 2023.

Métricas de datos	Volumen
Registros de clientes	1.2 millones
Monitoreo de transacciones en tiempo real	Cobertura del 95%

Bankunited, Inc. (BKU) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, BankUnited ofrece una gama de soluciones bancarias personalizadas con las siguientes métricas clave:

Segmento de clientes	Cuentas totales	Valor de cuenta promedio
Banca personal	278,456	$87,320
Banca de negocios	42,193	$452,670

Tasas de interés competitivas sobre préstamos y depósitos

Ofertas de tasas de interés a partir de enero de 2024:

• Cuentas de ahorro personal: 3.75% APY
• Cuentas corrientes de negocios: tasa de interés del 2.25%
• Préstamos hipotecarios personales: a partir del 6.35%
• Préstamos comerciales: tasa promedio del 7.15%

Convenientes plataformas de banca digital y móvil

Métricas de plataforma digital	2023 datos
Usuarios de banca móvil	214,567
Volumen de transacciones en línea	3.2 millones mensuales
Calificación de aplicaciones móviles	4.6/5

Experiencia especializada en préstamos comerciales

Detalles de la cartera de préstamos comerciales para 2023:

• Cartera total de préstamos comerciales: $ 4.8 mil millones
• Tamaño promedio del préstamo comercial: $ 1.2 millones
• Sectores de la industria atendidos: bienes raíces, atención médica, tecnología

Conocimiento local del mercado y enfoque bancario basado en relaciones

Presencia geográfica	Número de ramas	Estados atendidos
Florida	86	Mercado principal
Nueva York	12	Mercado secundario

Bankunited, Inc. (BKU) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

Bankunited mantiene un equipo de servicio al cliente de 423 representantes dedicados en sus sucursales en Florida. El banco maneja aproximadamente 157,000 interacciones de clientes mensualmente a través de varios canales de comunicación.

Canal de servicio	Volumen de interacción mensual
Soporte telefónico	68,500 interacciones
Chat en línea	42,300 interacciones
Consultas en la rama	46,200 interacciones

Gerentes de relaciones dedicadas para clientes comerciales

Bankunited atiende a 3.742 clientes comerciales con equipos especializados de gestión de relaciones. El tamaño promedio de la cartera por gerente de relaciones comerciales es de $ 87.6 millones.

Comunicación multicanal

• Plataforma de banca digital: 214,000 usuarios activos
• Aplicación de banca móvil: 189,000 usuarios registrados
• Banca en línea: 76% de la base total de clientes

Servicios de asesoramiento financiero proactivo

Bankunited brinda servicios de asesoramiento financiero al 22% de su base total de clientes, con una duración de consulta promedio de 47 minutos.

Tipo de servicio de asesoramiento	Número de clientes atendidos
Gestión de patrimonio	8.600 clientes
Planificación de jubilación	12.400 clientes
Consulta de inversión	6.900 clientes

Programas de fidelización y soluciones bancarias a medida

El programa de fidelización de Bankunited incluye 67,500 participantes activos con un valor de recompensas anual promedio de $ 215 por cliente.

• Recompensas Tarjeta de crédito: 42,000 titulares de tarjetas activas
• Paquete de banca premium: 18,500 suscriptores
• Tasa anual de retención de clientes: 84.3%

Bankunited, Inc. (BKU) - Modelo de negocio: canales

Plataforma bancaria en línea

A partir del cuarto trimestre de 2023, la plataforma bancaria en línea de Bankunited atiende a 274,000 usuarios de banca digital activo. La plataforma procesa aproximadamente 1,2 millones de transacciones digitales mensuales con una tasa de tiempo de actividad del 99.7%.

Métrico de canal digital	2023 estadísticas
Usuarios de banca digital activo	274,000
Transacciones digitales mensuales	1,200,000
Tiempo de actividad de la plataforma	99.7%

Aplicación de banca móvil

La aplicación móvil de Bankunited tiene 189,000 usuarios activos de banca móvil con una calificación de 4.5/5 tanto en Apple App Store como en Google Play Store. La aplicación es compatible Monitoreo de cuentas en tiempo real, depósito de cheques móviles y pagos entre pares.

• Descargas de aplicaciones móviles: 342,000
• Usuarios móviles activos: 189,000
• Calificaciones de la tienda de aplicaciones: 4.5/5

Red de sucursales físicas en Florida

Bankunited mantiene 95 ubicaciones de sucursales físicas en Florida, concentradas en áreas metropolitanas clave como Miami, Orlando y Tampa.

Distribución de ramas	Número de ubicaciones
Ramas totales de Florida	95
Área metropolitana de Miami	37
Área metropolitana de Orlando	28
Área metropolitana de Tampa	22

Red de cajeros automáticos

Bankunited opera 142 cajeros automáticos patentados en Florida y mantiene asociaciones con 30,000 cajeros automáticos sin recarga en todo el país a través de Allpoint Network.

• ATMS propietarios: 142
• ATMS de red sin recargo: 30,000
• Transacciones de cajeros automáticos promedio: 876,000

Centros de llamadas de servicio al cliente

Bankunited opera dos centros de llamadas de servicio al cliente que manejan un promedio de 62,500 interacciones con el cliente mensualmente con un Tasa de resolución de primer llamado del 92%.

Métrico del centro de llamadas	2023 rendimiento
Interacciones mensuales del cliente	62,500
Tasa de resolución de primera llamada	92%
Tiempo de espera promedio	3.7 minutos

Bankunited, Inc. (BKU) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

Bankunited atiende a aproximadamente 7.500 clientes comerciales pequeños a medianos en Florida y mercados seleccionados. Cartera total de préstamos comerciales para SMB: $ 4.2 mil millones a partir del cuarto trimestre de 2023.

Segmento de negocios	Total de clientes	Tamaño promedio del préstamo
Micro empresas	3,200	$250,000
Pequeñas empresas	2,900	$750,000
Empresas medianas	1,400	$ 1.5 millones

Inversores inmobiliarios comerciales

Cartera de préstamos inmobiliarios comerciales: $ 6.8 mil millones. Activo en 12 mercados metropolitanos.

• Total de clientes de bienes raíces comerciales: 1.250
• Valor de transacción promedio: $ 3.2 millones
• Concentración geográfica: 65% de mercado de Florida

Individuos de alto nivel de red

El segmento de banca privada sirve a personas con $ 5 millones+ en activos invertibles. Base de clientes total de alto nivel de red de alto nivel: 1.100.

Rango de activos	Número de clientes	Valor de cartera promedio
$ 5-10 millones	680	$ 7.2 millones
$ 10-25 millones	320	$ 15.5 millones
$ 25+ millones	100	$ 42.3 millones

Consumidores locales de Florida

Total de clientes de banca minorista: 285,000. Principalmente concentrado en las áreas metropolitanas de Florida.

• Cuentas corrientes: 210,000
• Cuentas de ahorro: 175,000
• Depósito promedio del cliente: $ 42,500

Proveedores de servicios profesionales

El segmento objetivo incluye abogados, médicos, contadores y profesionales independientes. Base de clientes profesionales totales: 2,300.

Categoría profesional	Número de clientes	Ingresos de banca comercial promedio
Profesionales médicos	850	$580,000
Profesionales legales	650	$420,000
Firmas de contabilidad	450	$350,000
Otros profesionales	350	$275,000

Bankunited, Inc. (BKU) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del cuarto trimestre de 2023, los gastos de compensación total de los empleados de Bankunited fueron de $ 361.7 millones. El desglose incluye:

Categoría de gastos	Monto ($)
Salarios base	248,500,000
Bonos de rendimiento	62,300,000
Beneficios para empleados	50,900,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para 2023 totalizaron $ 87.4 millones, que incluyen:

• Mantenimiento de sistemas de TI: $ 42.6 millones
• Inversiones de ciberseguridad: $ 22.8 millones
• Actualizaciones de la plataforma de banca digital: $ 22.0 millones

Operaciones de sucursales y gastos de red

Los costos operativos de la red de sucursales para 2023 fueron de $ 129.5 millones, estructurados de la siguiente manera:

Categoría de gastos	Monto ($)
Alquiler y mantenimiento de la instalación	53,200,000
Servicios públicos y operaciones	37,900,000
Gestión de redes de sucursales	38,400,000

Cumplimiento regulatorio y gestión de riesgos

Los gastos relacionados con el cumplimiento para 2023 ascendieron a $ 64.3 millones:

• Costos de informes regulatorios: $ 22.7 millones
• Sistemas de gestión de riesgos: $ 26.5 millones
• Personal legal y de cumplimiento: $ 15.1 millones

Costos de marketing y adquisición de clientes

Los gastos de marketing para 2023 totalizaron $ 45.2 millones:

Canal de marketing	Monto ($)
Marketing digital	18,600,000
Publicidad tradicional	14,300,000
Programas de adquisición de clientes	12,300,000

Bankunited, Inc. (BKU) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, Bankunited informó ingresos por intereses totales de $ 1.35 mil millones. Desglose de las fuentes de ingresos por intereses:

Fuente de ingresos	Monto ($)
Préstamos y arrendamientos	1,087,000,000
Valores de inversión	263,000,000

Tarifas de origen de la hipoteca

Ingresos relacionados con la hipoteca para 2023:

• Tarifas de origen de hipoteca total: $ 78.4 millones
• Volumen del préstamo hipotecario: $ 2.6 mil millones

Cargos de servicio bancario digital

Detalles de ingresos del servicio de banca digital:

Categoría de servicio	Ingresos ($)
Tarifas de mantenimiento de la cuenta	42,500,000
Tarifas de transacción en línea	23,600,000

Tarifas de transacción bancaria comercial

Desglose de ingresos de la tarifa de banca comercial:

• Tarifas de transacción de banca comercial total: $ 95.7 millones
• Tarifas de servicios de tesorería corporativa: $ 45.3 millones
• Tarifas de gestión de efectivo: $ 50.4 millones

Ingresos de gestión de patrimonio y servicios de asesoramiento

Estadísticas de ingresos de gestión de patrimonio para 2023:

Tipo de servicio	Ingresos ($)
Tarifas de asesoramiento de inversiones	37,200,000
Tarifas de gestión de activos	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).