18 banks get top ratings from BauerFinancial; four get lowest ratings

At year-end 2013, 18 Miami-Dade and Broward banks received five stars - the highest possible - in the most recent ratings by Coral Gables-based BauerFinancial, based on Dec. 31, 2013 results. The same group of banks also scored five stars at the end of the third quarter of last year.

Awarded the five-star “superior” rating were Miami Lakes-based BankUnited; Biscayne Bank, based in Coconut Grove; Broward Bank of Commerce, Fort Lauderdale; Capital Bank, Coral Gables; City National Bank of Florida, Miami; Continental National Bank of Miami; Desjardins Bank, Hallandale Beach; Espirito Santo Bank, Miami; Executive National Bank, Miami; Florida Community Bank, Weston; Floridian Community Bank, Davie; Intercontinental Bank, West Miami; Marquis Bank, Coral Gables; Mercantil Commerce Bank, Coral Gables; Professional Bank, Coral Gables; Sabadell United Bank, Miami; Stonegate Bank, Fort Lauderdale; and TotalBank, Miami.

Bauer rated four Miami-Dade and Broward banks as “troubled and problematic,” giving them zero stars, down from five banks the previous quarter. They were Great Florida Bank, Miami; OptimumBank, Plantation; Doral-based US Century Bank; and Valley Bank, Fort Lauderdale.

Ratings are based on such factors as profitability, capital, level of delinquent loans, charge-offs, repossessed assets and liquidity.