How profitable a bank is affects its safety and soundness. Earnings can be retained by the bank, increasing its capital cushion, or be used to address problematic loans, likely making the bank better prepared to withstand financial shocks. Losses, on the other hand, diminish a bank's ability to do those things.
On Bankrate's earnings test, BankUnited, National Association scored 28 out of a possible 30, better than the national average of 15.12.
One key measure of a bank's earnings is return on equity, or net income (profit, basically) divided by total equity. The most recent annualized quarterly return on equity for BankUnited, National Association was 22.36 percent, above the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank reported net income of $638.8 million on total equity of $3.24 billion. The bank had an annualized return on average assets, or ROA, of 2.21 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.