Bank · FDIC insured
Banesco USA
A $6B bank, the 247th largest of 4,207, headquartered in Miami, FL, with 6 branches in 2 states. Best rates: savings 0.15% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings661.35%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Banesco USA
Founded in 2006, Banesco USA is an independent Florida state-chartered bank headquartered in Miami, Florida.
Operating under the Banesco International brand, it has six banking centers in South Florida and Puerto Rico and serves as an official Small Business Administration lender.
- Headquarters
- 3155 Nw 77 Avenue, Miami, FL 33122
- FDIC certificate
- 57815 ↗
Branches
6 branches in 2 states
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Florida
5 branches
- Banesco USAMain office3155 Nw 77 Avenue, Miami, FL 33122Directions
- Aventura Park Square Branch2950 Ne 207th St, Aventura, FL 33180Directions
- Coral Gables Branch150 Alhambra Cir, Coral Gables, FL 33134Directions
- Hialeah 2 Branch1950 West 49th Street, Hialeah, FL 33012Directions
- Brickell Bank Branch1395 Brickell Ave, Miami, FL 33131Directions
Puerto Rico
1 branch
- Hato Rey Branch255 Ave Ponce De Leon, San Juan, PR 00917Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.46% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.49% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.47% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $77 | $88 | — |
- CapitalLeverage ratio11.46%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.49%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.47%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$77Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Banesco USA are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.