BankUnited 2026年季度报告

FORM10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedJune 30, 2026Commission File Number: 001-35039 BankUnited,Inc. (Exact name of registrant as specified in its charter) Registrant’s telephone number, including area code:(305)569-2000 Securities registered pursuant to Section 12(b) of the Act: Name of Exchange on Which Registered New York Stock Exchange Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)hasbeen subject to such filing requirements for the past 90 days.YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit and post such files).YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and "emerging growth company" in Rule12b-2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Emerging growth companyNon-accelerated filer☐Smaller reporting company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).YesNo☒ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. The number of outstanding shares of the registrant common stock, $0.01 par value, as of August4, 2026 was 71,232,249. BANKUNITED,INC.Form10-QFor the Quarter Ended June30, 2026TABLE OF CONTENTS Glossary of Defined Terms PARTI.FINANCIAL INFORMATIONITEM 1.Financial Statements (Unaudited)Consolidated Balance SheetsConsolidated Statements of IncomeConsolidated Statements of Comprehensive IncomeConsolidated Statements of Cash FlowsConsolidated Statements of Stockholders’ EquityNotes to Consolidated Financial StatementsITEM 2.Management’s Discussion and Analysis of Financial Condition andResults of OperationsITEM 3.Quantitative and Qualitative Disclosures About Market RiskITEM 4.Controls and ProceduresPARTII.OTHER INFORMATIONITEM 1.Legal ProceedingsITEM 1A.Risk FactorsITEM 2.Unregistered Sales of Equity Securities and Use of ProceedsITEM 5.Other InformationITEM 6.ExhibitsSIGNATURES GLOSSARY OF DEFINED TERMS The following acronyms and terms may be used throughout this Form 10-Q, including the consolidated financial statements and relatednotes. ACLAllowance for credit lossesAFSAvailable for saleALCOAsset Liability CommitteeALMAsset Liability ManagementAOCIAccumulated other comprehensive incomeAPYAnnual Percentage YieldARMAdjustable-rate mortgageASUAccounting Standards UpdateB2BBusiness-to-BusinessB2CBusiness-to-ConsumerBKUBankUnited, Inc.BOLIBank Owned Life InsuranceBankUnitedBankUnited, National AssociationThe BankBankUnited, National AssociationBridgeBridge Funding Group, Inc.Buyout LoansFHA and VA insured mortgages from third party servicers who have exercised their right topurchase these loans out of GNMA securitizationsCECLCurrent expected credit lossesCEOChief Executive OfficerCET1Common Equity Tier 1 capitalCLOCollateralized loan obligationsCMOsCollateralized mortgage obligationsCODMChief Operating Decision MakerCore loansCore loans including CRE, C&I, mortgage warehouse lending loans and Pinnacle public finanCPRConstant prepayment rateCRECommercial real estate loans, including non-owner occupied commercial real estate andconstruction and landC&ICommercial and Industrial loans, including owner-occupied commercial real estateDSCRDebt Service Coverage RatioEVEEconomic value of equityFDIAFederal Deposit Insurance ActFDICFederal Deposit Insurance CorporationFed FundFederal Funds RateFHAFederal Housing AdministrationFHLBFederal Home Loan BankFICOFair Isaac Corporation (credit score)FRBFederal Reserve BankGAAPU.S. generally accepted accounting principlesGDPGross Domestic ProductGNMAGovernment National Mortgage AssociationHOAHomeowner AssociationISDAInternational Swaps and Derivatives AssociationLTVLoan-to-valueMBSMortgage-backed securitiesMSAMetropolitan Statistical Area MWLNDFINIDDANPANRSROOREOPCDPinnaclePPNRPSLR/EREITROAAROAERPASBASECSOFRTri-StateVA loan Mortgage warehouse lendingNo