BankUnited, Inc. (BKU): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do banco regional, a BankUnited, Inc. (BKU) surge como uma potência estratégica, misturando perfeitamente soluções digitais inovadoras com serviços financeiros personalizados. Ao alavancar sua robusta rede e tecnologia de ponta baseada na Flórida, o BankUnited criou um modelo de negócios exclusivo que atende a diversos segmentos de clientes-de pequenas empresas a indivíduos de alto patrimônio líquido-enquanto mantém uma abordagem focada no laser no fornecimento de valor excepcional através de experiências bancárias abrangentes. Essa exploração do modelo de negócios do BankUnited Canvas revela os intrincados mecanismos que impulsionam seu sucesso em um ecossistema financeiro competitivo.

BankUnited, Inc. (BKU) - Modelo de negócios: Parcerias -chave

Parcerias estratégicas com empresas regionais e empresas comerciais

O BankUnited mantém parcerias estratégicas com várias redes de negócios regionais na Flórida. A partir do quarto trimestre 2023, o banco informou:

Categoria de parceria	Número de parcerias	Foco geográfico
Parcerias Enterprise Commercial	187	Flórida, sudeste dos Estados Unidos
Conexões de rede de pequenas empresas	423	Áreas metropolitanas da Flórida

Colaboração com empresas de fintech para soluções bancárias digitais

As parcerias bancárias digitais do BankUnited incluem:

• Colaboração com a Fiserv for Core Banking Technology Infrastructure
• Parceria com Visa para soluções de pagamento digital
• Integração de tecnologia com Jack Henry & Associados para plataformas bancárias digitais

Relacionamentos com corretores hipotecários e profissionais do setor imobiliário

Tipo de parceria	Total Partners	Volume anual de hipoteca
Rede de corretores hipotecários	214	US $ 1,2 bilhão
Relações profissionais do setor imobiliário	356	US $ 875 milhões

Alianças com prestadores de serviços de processamento e tecnologia de pagamento

As parcerias do provedor de serviços de tecnologia do BankUnited incluem:

• MasterCard para infraestrutura de processamento de pagamento
• Faixa para integração de pagamento online
• Xadrez para conectividade de dados financeiros

Total Technology Partnership Investments em 2023: US $ 42,3 milhões

BankUnited, Inc. (BKU) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

O BankUnited reportou ativos totais de US $ 38,9 bilhões em 31 de dezembro de 2023. A carteira de empréstimos do banco consistia em:

Imóveis comerciais

Hipoteca residencial

Empréstimos comerciais e industriais

Empréstimos ao consumidor

Categoria de empréstimo	Balanço total	Porcentagem de portfólio
US $ 19,3 bilhões	49.6%
US $ 11,2 bilhões	28.8%
US $ 6,5 bilhões	16.7%
US $ 2,4 bilhões	6.2%

Empréstimos e originação hipotecária

Em 2023, as atividades de empréstimo hipotecário do BankUnited geradas:

• Volume de originação hipotecária: US $ 3,6 bilhões
• Receita de produção de empréstimos hipotecários: US $ 127,4 milhões
• Portfólio de manutenção de hipotecas residenciais: US $ 14,2 bilhões

Desenvolvimento da plataforma bancária digital

Investimentos de tecnologia e métricas bancárias digitais:

Métrica bancária digital	2023 dados
Usuários bancários digitais	342,000
Downloads de aplicativos bancários móveis	124,000
Volume de transações online	18,3 milhões
Investimento de tecnologia anual	US $ 42,6 milhões

Gerenciamento de riscos e monitoramento de conformidade

Despesas de conformidade e gerenciamento de riscos para 2023:

• Orçamento do Departamento de Conformidade: US $ 24,3 milhões
• Investimento em tecnologia de gerenciamento de riscos: US $ 18,7 milhões
• Custos de exame regulatório: US $ 3,2 milhões

Aquisição de clientes e gerenciamento de relacionamento

Métricas de aquisição e retenção de clientes:

Métrica do cliente	2023 dados
Novas contas de clientes abertas	87,600
Taxa de retenção de clientes	84.3%
Despesas de marketing e aquisição de clientes	US $ 36,5 milhões
Valor médio do relacionamento do cliente	$14,200

BankUnited, Inc. (BKU) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional na Flórida

No quarto trimestre 2023, o BankUnited opera 91 agências localizadas principalmente na Flórida. Total de ativos em 31 de dezembro de 2023: US $ 39,4 bilhões.

Presença geográfica	Número de ramificações
Flórida	91
Nova Iorque	5

Infraestrutura de tecnologia bancária digital avançada

Investimento em tecnologia em 2023: US $ 47,3 milhões.

• Plataforma bancária móvel com 250.000 usuários digitais ativos
• Sistema bancário de núcleo baseado em nuvem
• Infraestrutura avançada de segurança cibernética

Profissionais de gestão e bancos experientes

Total de funcionários: 2.047 em 31 de dezembro de 2023.

Experiência de liderança	Anos médios
Equipe executiva sênior	18,6 anos
Gestão média	12,4 anos

Capital financeiro robusto e liquidez

Métricas financeiras a partir do quarto trimestre 2023:

• Tier 1 Capital Ratio: 13,8%
• Total de capital baseado em risco: 15,2%
• Taxa de cobertura de liquidez: 135%

Recursos abrangentes de dados e análises

Investimento de análise de dados: US $ 22,5 milhões em 2023.

Métricas de dados	Volume
Registros do cliente	1,2 milhão
Monitoramento de transações em tempo real	Cobertura de 95%

BankUnited, Inc. (BKU) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas e indivíduos

A partir do quarto trimestre 2023, o BankUnited oferece uma variedade de soluções bancárias personalizadas com as seguintes métricas -chave:

Segmento de clientes	Contas totais	Valor médio da conta
Bancos pessoais	278,456	$87,320
Banking de negócios	42,193	$452,670

Taxas de juros competitivas em empréstimos e depósitos

Ofertas de taxa de juros em janeiro de 2024:

• Contas de poupança pessoal: 3,75% APY
• Contas de corrente de negócios: 2,25% de taxa de juros
• Empréstimos para hipotecas pessoais: a partir de 6,35%
• Empréstimos comerciais: 7,15% de taxa média

Plataformas bancárias digitais e móveis convenientes

Métricas de plataforma digital	2023 dados
Usuários bancários móveis	214,567
Volume de transações online	3,2 milhões mensais
Classificação de aplicativo móvel	4.6/5

Experiência especializada em empréstimos comerciais

Detalhes do portfólio de empréstimos comerciais para 2023:

• Portfólio de empréstimos comerciais totais: US $ 4,8 bilhões
• Tamanho médio de empréstimo comercial: US $ 1,2 milhão
• Os setores da indústria serviram: imóveis, saúde, tecnologia

Conhecimento do mercado local e abordagem bancária baseada em relacionamento

Presença geográfica	Número de ramificações	Estados servidos
Flórida	86	Mercado primário
Nova Iorque	12	Mercado secundário

BankUnited, Inc. (BKU) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

O BankUnited mantém uma equipe de atendimento ao cliente de 423 representantes dedicados em suas agências na Flórida. O banco lida com aproximadamente 157.000 interações com os clientes mensalmente através de vários canais de comunicação.

Canal de serviço	Volume mensal de interação
Suporte telefônico	68.500 interações
Chat online	42.300 interações
Consultas no ramo	46.200 interações

Gerentes de relacionamento dedicados para clientes comerciais

O BankUnited atende 3.742 clientes comerciais com equipes especializadas de gerenciamento de relacionamento. O tamanho médio do portfólio por gerente de relacionamento comercial é de US $ 87,6 milhões.

Comunicação multicanal

• Plataforma bancária digital: 214.000 usuários ativos
• Aplicativo bancário móvel: 189.000 usuários registrados
• Banco online: 76% da base total de clientes

Serviços de consultoria financeira proativa

O BankUnited fornece serviços de consultoria financeira para 22% de sua base total de clientes, com uma duração média de consulta de 47 minutos.

Tipo de serviço de consultoria	Número de clientes atendidos
Gestão de patrimônio	8.600 clientes
Planejamento de aposentadoria	12.400 clientes
Consulta de investimento	6.900 clientes

Programas de fidelidade e soluções bancárias personalizadas

O programa de fidelidade do BankUnited inclui 67.500 participantes ativos com um valor médio de recompensas anuais de US $ 215 por cliente.

• Cartão de crédito de recompensas: 42.000 titulares de cartão ativos
• Pacote bancário premium: 18.500 assinantes
• Taxa anual de retenção de clientes: 84,3%

BankUnited, Inc. (BKU) - Modelo de Negócios: Canais

Plataforma bancária online

A partir do quarto trimestre 2023, a plataforma bancária on -line do BankUnited atende a 274.000 usuários de bancos digitais ativos. A plataforma processa aproximadamente 1,2 milhão de transações digitais mensais com uma taxa de tempo de atividade de 99,7%.

Métrica de canal digital	2023 Estatísticas
Usuários de bancos digitais ativos	274,000
Transações digitais mensais	1,200,000
Tempo de atividade da plataforma	99.7%

Aplicativo bancário móvel

O aplicativo móvel do BankUnited possui 189.000 usuários ativos de bancos móveis com uma classificação de 4,5/5 na Apple App Store e no Google Play Store. O aplicativo suporta Monitoramento de contas em tempo real, depósito de cheque móvel e pagamentos ponto a ponto.

• Downloads de aplicativos móveis: 342.000
• Usuários móveis ativos: 189.000
• App Store Ratings: 4,5/5

Rede de filial física na Flórida

O BankUnited mantém 95 localizações de filiais físicas em toda a Flórida, concentradas em principais áreas metropolitanas como Miami, Orlando e Tampa.

Distribuição de ramificação	Número de locais
Filiais totais da Flórida	95
Área do metrô de Miami	37
Área metropolitana de Orlando	28
Área do metrô de Tampa	22

Rede ATM

O BankUnited opera 142 caixas eletrônicos proprietários em toda a Flórida e mantém parcerias com 30.000 caixas eletrônicos sem sobretaxa em todo o país através da Allpoint Network.

• Avanços proprietários: 142
• Atms de rede sem sobretaxa: 30.000
• Transações médias mensais de atm: 876.000

Centros de atendimento ao cliente

O BankUnited opera dois centros de atendimento ao cliente que lidando com uma média de 62.500 interações com o cliente mensalmente com um 92% taxa de resolução de primeira linha.

Métrica de call center	2023 desempenho
Interações mensais do cliente	62,500
Taxa de resolução de primeira chamada	92%
Tempo médio de espera	3,7 minutos

BankUnited, Inc. (BKU) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

O BankUnited atende aproximadamente 7.500 clientes comerciais pequenos e médios na Flórida e nos mercados selecionados. Portfólio de empréstimos comerciais totais para SMBs: US $ 4,2 bilhões a partir do quarto trimestre 2023.

Segmento de negócios	Total de clientes	Tamanho médio do empréstimo
Micro negócios	3,200	$250,000
Pequenas empresas	2,900	$750,000
Médias empresas	1,400	US $ 1,5 milhão

Investidores imobiliários comerciais

Portfólio de empréstimos imobiliários comerciais: US $ 6,8 bilhões. Ativo em 12 mercados metropolitanos.

• Total de clientes imobiliários comerciais: 1.250
• Valor médio da transação: US $ 3,2 milhões
• Concentração geográfica: 65% do mercado da Flórida

Indivíduos de alta rede

O segmento bancário privado atende indivíduos com mais de US $ 5 milhões em ativos investíveis. Base total de clientes de alta rede: 1.100.

Faixa de ativos	Número de clientes	Valor médio do portfólio
US $ 5 a 10 milhões	680	US $ 7,2 milhões
US $ 10-25 milhões	320	US $ 15,5 milhões
US $ 25+ milhões	100	US $ 42,3 milhões

Consumidores locais da Flórida

Total de clientes bancários de varejo: 285.000. Concentrado principalmente nas áreas metropolitanas da Flórida.

• Contas de corrente: 210.000
• Contas de poupança: 175.000
• Depósito médio do cliente: US $ 42.500

Provedores de serviços profissionais

O segmento -alvo inclui advogados, médicos, contadores e profissionais independentes. Base profissional de clientes profissional: 2.300.

Categoria profissional	Número de clientes	Receita bancária média de negócios
Profissionais médicos	850	$580,000
Profissionais do direito	650	$420,000
Empresas de contabilidade	450	$350,000
Outros profissionais	350	$275,000

BankUnited, Inc. (BKU) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

No quarto trimestre 2023, as despesas totais de remuneração dos funcionários do BankUnited foram de US $ 361,7 milhões. O colapso inclui:

Categoria de despesa	Valor ($)
Salários da base	248,500,000
Bônus de desempenho	62,300,000
Benefícios dos funcionários	50,900,000

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 87,4 milhões, incluindo:

• Manutenção de sistemas de TI: US $ 42,6 milhões
• Investimentos de segurança cibernética: US $ 22,8 milhões
• Atualizações da plataforma bancária digital: US $ 22,0 milhões

Operações de ramificação e despesas de rede

Os custos operacionais da rede de filiais para 2023 foram de US $ 129,5 milhões, estruturados da seguinte forma:

Categoria de despesa	Valor ($)
Aluguel e manutenção da instalação	53,200,000
Utilitários e operações	37,900,000
Gerenciamento de rede de filiais	38,400,000

Conformidade regulatória e gerenciamento de riscos

As despesas relacionadas à conformidade em 2023 totalizaram US $ 64,3 milhões:

• Custos de relatórios regulatórios: US $ 22,7 milhões
• Sistemas de gerenciamento de riscos: US $ 26,5 milhões
• Pessoal legal e de conformidade: US $ 15,1 milhões

Custos de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 45,2 milhões:

Canal de marketing	Valor ($)
Marketing digital	18,600,000
Publicidade tradicional	14,300,000
Programas de aquisição de clientes	12,300,000

BankUnited, Inc. (BKU) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, o BankUnited relatou receita total de juros de US $ 1,35 bilhão. Repartição das fontes de renda de juros:

Fonte de renda	Valor ($)
Empréstimos e arrendamentos	1,087,000,000
Títulos de investimento	263,000,000

Taxas de originação hipotecária

Receita relacionada à hipoteca para 2023:

• Taxas totais de originação hipotecária: US $ 78,4 milhões
• Volume de empréstimo hipotecário: US $ 2,6 bilhões

Cobranças de serviço bancário digital

Detalhes da receita da cobrança do serviço de serviço bancário digital:

Categoria de serviço	Receita ($)
Taxas de manutenção da conta	42,500,000
Taxas de transação online	23,600,000

Taxas de transação bancária comercial

Repartição da taxa de taxa bancária comercial:

• Taxas de transação bancária comercial total: US $ 95,7 milhões
• Taxas de serviços do Tesouro Corporativo: US $ 45,3 milhões
• Taxas de gerenciamento de caixa: US $ 50,4 milhões

Receita de gerenciamento de patrimônio e serviços de consultoria

Estatísticas de receita de gerenciamento de patrimônio para 2023:

Tipo de serviço	Receita ($)
Taxas de consultoria de investimento	37,200,000
Taxas de gerenciamento de ativos	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).