BKU

EX-99.1

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EX-99.1

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Exhibit 99.1

BankUnited, Inc. Reports 3Q 2026 Net Income of $72 million, $1.01 Diluted EPS;

Excluding Impact of Securities Sales, Net Income of $74 million, $1.03 Diluted EPS

Continued Franchise Momentum Drives NIM Expansion, Stronger Funding Mix and Improved Credit Trends

Miami Lakes, Fla. — October 21, 2026 — BankUnited, Inc. (the “Company”) (NYSE: BKU) today announced financial results for the quarter ended September 30, 2026.

Chairman, President and Chief Executive Officer Rajinder Singh commented, "We delivered another quarter of solid performance, with continued deposit momentum and net interest margin expanding to 3.16%, ahead of our guidance. Benefiting from a strong economy, we remain focused on increasing profitability and creating long-term shareholder value."

Third Quarter Financial Highlights

Quarter EndedChange From

($ in millions except per share data)3Q262Q263Q252Q263Q25

Net Income$72.2 $70.7 $71.9 $1.5 $0.3

Adjusted Net Income1,2$73.9 $70.0 $71.4 $3.9 $2.5

Diluted EPS$1.01 $0.97 $0.95 $0.04 $0.06

Adjusted Diluted EPS1,2 $1.03 $0.96 $0.94 $0.07 $0.09

PPNR1

$105.9 $109.9 $109.5 $(4.0)$(3.6)

ROA3

0.82 %0.81 %0.82 %0.01 %— %

ROE3

9.6 %9.3 %9.5 %0.3 %0.1 %

Net Interest Margin33.16 %3.06 %3.00 %0.10 %0.16 %

Performance Highlights •Net Interest Margin (NIM) of 3.16%, up 16 bps from a year ago and up 10 bps from prior quarter.

•Diluted EPS of $1.01, up $0.06 from a year ago and $0.04 from prior quarter.

•Adjusted Diluted EPS1, 2 of $1.03, up $0.09 from a year ago and $0.07 from prior quarter.

•Approximately 2.1 million shares repurchased in Q3 for an aggregate of $97.0 million.

Deposits •Non-Interest Demand Deposits (NIDDA):

◦Average NIDDA up $824 million, or 10%, from a year ago and remained stable from prior quarter, continuing to serve as a key funding source despite ending balance fluctuations.

◦Ending NIDDA up $488 million, or 6%, from a year ago and down $821 million, or 8%, from prior quarter primarily due to seasonal normalization following elevated inflows in Q2.

◦Represents 32.2% of total deposits, up from 30.1% a year ago.

•Average Total Deposits (excluding brokered): Up $1.0 billion from a year ago and down $385 million from prior quarter.

Loans •Average Core Loans increased $706 million, or 4%, from a year ago and decreased $147 million, or 1%, from prior quarter.

•Total Average Loans remained stable from a year ago and decreased by $314 million from the prior quarter due to continued purposeful runoff in non-core loans.

Credit •Criticized and Classified Loans decreased $176 million, or 14%, from a year ago and decreased $10 million, or 1%, from prior quarter.

•Net Charge-Offs ratio remained low, 0.11%, in both the current and prior quarter, and down from 0.25% a year ago.

•NPLs down $116 million, or 30%, from a year ago, and up $40 million, or 18%, from the prior quarter.

(1) Represents a non-GAAP measure. See "Non-GAAP Financial Measures" section for a reconciliation of non-GAAP financial measures to GAAP financial measures.

(2) Excludes the impact of securities sales.

(3) Annualized for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025.

1

Net Interest Income & Margin

Net Interest IncomeNet Interest Margin (NIM)

p$5.3 million or 2% from prior quarter

p $10.5 million or 4% from 3Q 2025

p 10 bps from prior quarter

p 16 bps from 3Q 2025

Net interest income and margin increased from the prior quarter due to the following factors:

•Deposit pricing continued to improve, contributing to lower funding costs; average cost of deposits improved by 6 bps to 1.99%.

•The tax equivalent yield on investment securities benefited from the sale of lower-yielding securities and reinvestment into higher-yielding securities, which improved the overall yield of the investment portfolio.

•Tax equivalent yields on commercial loans increased 5 bps from the prior quarter, reflecting favorable loan repricing and improved commercial loan portfolio mix.

Net interest income and margin also increased from a year ago due to the following factors:

•Average NIDDA grew by $824 million while average interest bearing liabilities declined by $1.0 billion; average cost of deposits improved by 39 bps from a year ago.

•Partially offset by lower tax-equivalent asset yields, as variable-rate loans and securities repriced downward faster than the benefit from lower funding costs and favorable funding mix dynamic due to lower SOFR/Fed funds basis.

Non-Interest Income and Non-Interest Expense

The following table summarizes non-interest income and non-interest expense for the periods presented (in millions):

Three Months Ended

3Q262Q263Q25

Deposit service charges and fees$6.4 $6.3 $5.4

Gain (loss) on investment securities, net(2.3)0.9 0.6

Lease financing, net1.7 3.9 4.2

Capital markets income6.3 8.1 6.3

Other non-interest income:

Loan service charges3.8 4.0 4.0

Commercial card income1

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Exhibit 99.1

BankUnited, Inc. Reports 2Q 2026 Net Income of $71 million, $0.97 Diluted EPS

Strong Franchise Momentum Driven by Record Non-Interest-Bearing Deposits, Improved Credit Quality and Solid Fee Income Performance

Miami Lakes, Fla. — July 22, 2026 — BankUnited, Inc. (the “Company”) (NYSE: BKU) today announced financial results for the quarter ended June 30, 2026.

Chairman, President and Chief Executive Officer Rajinder Singh commented, "Our second quarter performance reflects continued progress in strengthening the franchise and enhancing the quality of our balance sheet. Record non-interest-bearing deposits, solid fee income performance, and improved credit quality highlight the meaningful progress we have made over the past year. We remain focused on disciplined execution, deepening customer relationships, and building a stronger, more resilient franchise that supports long-term shareholder value creation."

Second Quarter Financial Highlights

Quarter EndedChange From

($ in millions except per share data)2Q261Q262Q251Q262Q25

Net income$70.7 $61.9 $68.8 $8.8 $1.9

Diluted EPS$0.97 $0.83 $0.91 $0.14 $0.06

PPNR1$109.9 $106.3 $109.6 $3.6 $0.3

ROA20.81 %0.72 %0.78 %0.09 %0.03 %

ROE2

9.3 %8.1 %9.4 %1.2 %(0.1)%

Net interest margin2 3.06 %2.99 %2.93 %0.07 %0.13 %

Deposits

•Average Total Deposits (excluding brokered): Up $811 million from prior quarter and up $1.5 billion from a year ago.

• Non-Interest Demand Deposits (NIDDA):

◦Ending NIDDA up $991 million, or 11%, from prior quarter and $822 million, or 9%, from a year ago.

◦Average NIDDA up $564 million, or 7%, from prior quarter and $1 billion, or 13% from a year ago.

◦Represents 34.4% of total deposits, up from 31.8% a year ago. This represents the highest NIDDA balance and highest percentage of total deposits in the Company's history.

•Wholesale funding declined by $1.4 billion for both the prior quarter and from a year ago, reflecting continued balance-sheet repositioning. Brokered deposits represents 10.5% of total deposits.

Loans

•Average Core Loans increased $195 million, or 1%, from prior quarter and increased $643 million, or 4%, from a year ago.

•Total Average Loans were essentially flat vs both prior quarter and prior year, due to continued purposeful runoff in non-core loans.

Credit

•NPLs down $51 million, or 19%, from the prior quarter and $152 million, or 40%, from a year ago.

•ACL to NPLs coverage ratio increased to 97.14% from 75.90% in the prior quarter.

•Criticized and classified loans modestly increased $7 million, or 1%, and were down $170 million, or 14%, from a year ago.

Share Repurchases

•Approximately 1.1 million shares repurchased in Q2 for an aggregate of $50.1 million.

(1) Represents a non-GAAP measure. See "Non-GAAP Financial Measures" section for a reconciliation of non-GAAP financial measures to GAAP financial measures.

(2) Annualized for the three months ended June 30, 2026, March 31, 2026, and June 30, 2025.

1

Notable items that impacted results:

The following table presents notable items, on a pre-tax basis, that impacted results for the periods presented (in thousands):

Quarter Ended

2Q261Q262Q25

Compensation-related items

$— $(5,358)$—

Release of FDIC Special Assessment accrual — 6,669 —

$— $1,311 $—

Net Interest Income & Margin

Net Interest IncomeNet Interest Margin (NIM)

p$6.3 million or 3% from prior quarter

p $9.2 million or 4% from 2Q 2025

p 7 bps from prior quarter

p 13 bps from 2Q 2025

Net interest income and margin increased from the prior quarter due to the following factors:

•Impact of the growth in NIDDA balances and reduced use of brokered deposits. Deposit pricing continued to improve, contributing to lower funding costs; average cost of deposits declined to 2.05% from 2.12% from the prior quarter.

•The tax equivalent yield on investment securities increased reflecting the benefit of securities purchased during the first quarter as periods of market volatility and spread widening created attractive investment opportunities.

Net interest income and margin also increased from the same quarter of the prior year due to the following factors:

•Average NIDDA grew by $1 billion while average interest bearing liabilities declined by $1.1 billion.

•Partially offset by the decrease of tax equivalent yields on investment securities and loans as variable rate assets repriced faster than continued improvement in funding cost and funding mix dynamics due to lower SOFR/Fed funds basis.

Non-Interest Income and Non-Interest Expense

The following table summarizes non-interest income and non-interest expense for the periods presented (in millions):

Three Months Ended

2Q261Q262Q25

Non-interest income

$29.2 $24.7 $27.8

Non-interest expense

$174.6 $167.4 $164.3

•Non-interest income increased from prior quarter, primarily reflecting higher capital markets revenue.

•Non-interest income increased compared to a year

EX-99.1

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Exhibit 99.1

BankUnited, Inc. Reports 1Q 2026 Net Income of $62 million, $0.83 Diluted EPS

Chairman, President and Chief Executive Officer Rajinder Singh commented, "Despite a seasonally slow quarter, we continue to gather market share and position the Company for improved profitability and growth."

First Quarter Financial Highlights

Quarter Ended

Change From

($ in millions except per share data) March 31, 2026December 31, 2025March 31, 2025December 31, 2025March 31, 2025

Net income$61.9 $69.3 $58.5 $(7.4)$3.4

Diluted EPS$0.83 $0.90 $0.78 $(0.07)$0.05

PPNR1$106.3 $115.4 $95.2 $(9.1)$11.1

ROA20.72 %0.78 %0.68 %(0.06)%0.04 %

ROE2

8.1 %8.9 %8.2 %(0.8)%(0.1)%

Net interest margin2 2.99 %3.06 %2.81 %(0.07)%0.18 %

•Total Deposits excluding brokered: up $1.4 billion from a year ago, and up $277 million from prior quarter.

•NIDDA:

◦Up $875 million, or 11%, from a year ago.

◦Down $166 million from prior quarter, primarily due to seasonality.

◦Represents 30% of total deposits at March 31, 2026.

•Loans:

◦Core loans: Up $906 million from a year ago and $9 million from prior quarter.

◦Total loans up $145 million from a year ago.

◦Total loans down $139 million from prior quarter primarily due to seasonally low commercial volume and continued runoff of non-core loans.

•Criticized and classified loans:

◦Down $333 million, or 24%, from a year ago; NPLs up $15 million, or 6%.

◦Down $146 million, or 12%, from the prior quarter; NPLs down $98 million, or 26%.

◦ACL to NPLs coverage ratio increased to 75.90% in Q1 from 58.99% in the prior quarter.

•Share repurchases: Approximately 1.3 million shares repurchased in Q1 for $60.0 million.

Notable items that impacted results:

The following table presents notable items, on a pre-tax basis, that impacted results for the periods presented (in thousands):

Quarter Ended

March 31, 2026December 31, 2025

Compensation-related items

$(5,358)$—

Release of FDIC Special Assessment accrual 6,669 —

Write-off of previously capitalized software

— (3,770)

$1,311 $(3,770)

(1) Represents a non-GAAP measure. See "Non-GAAP Financial Measures" section for a reconciliation of non-GAAP financial measures to GAAP financial measures.

(2) Annualized for the three months ended.

1

Net Interest Income & Margin

NIM

Net Interest Income

q 7 bps from prior quarter

p 18 bps from 1Q 2025

q $9.2 million from prior quarter

p $15.8 million or 7% from 1Q 2025

•NIM and net interest income are typically seasonally lower in the first quarter of the year; however NIM was up 18 bps and net interest income was up $16 million compared to Q1 2025.

•NIM and net interest income were down compared to prior quarter primarily due to:

◦Variable rate assets repriced faster than continued improvement in funding cost and funding mix dynamics — Asset yields were further impacted by lower SOFR/Fed funds basis.

◦Seasonal decline in NIDDA throughout the quarter increased reliance on higher‑cost wholesale funding, including brokered deposits.

Non-Interest Income and Non-Interest Expense

The following table summarizes non-interest income and non-interest expense for the periods presented (in millions):

Quarter Ended

Change From

March 31, 2026December 31, 2025March 31, 2025December 31, 2025March 31, 2025

Non-interest income

$24.7 $30.0 $22.3 $(5.3)$2.4

Non-interest expense

$167.4 $172.8 $160.2 $(5.4)$7.2

•Non-interest income declined from prior quarter, primarily reflecting lower capital markets revenue.

•Non-interest income increased compared to Q1 2025, primarily as a result of a $3.3 million gain on sale of investment securities in Q1 2026.

•Non-interest expense was largely flat quarter over quarter when adjusted for the notable items summarized on Page 1.

•Non-interest expense increased compared to Q1 2025, primarily due to higher employee compensation and benefits.

Balance Sheet Highlights

•Total Assets were $35.4 billion at March 31, 2026.

•The balance sheet reflected an improved funding mix and ample liquidity.

•Non-brokered deposits increased from both prior quarter and a year ago, supporting reduction in higher-cost wholesale funding.

•Wholesale funding declined from both prior quarter and a year ago, reflecting continued balance-sheet repositioning.

•NIDDA represented 30% of total deposits at March 31, 2026.

•Loan balances remained stable overall, with growth in selected commercial portfolios offset by continued reductions in residential balances.

2

Loans

Loan portfolio composition at the dates indicated follows (dollars in thousands):

March 31, 2026December 31, 2025

Core loan segments:

Non-owner occupied commercial real estate$6,146,307 25.5 %$6,105,207 25.2 %

Construction and land740,104 3.1 %705,664 2.9 %

Owner occupied commercial real estate2,023,527 8.4 %2,020,572 8.3 %

Commercial and industrial6,862,405 28.3 %7,008,903 28.8 %

Mortgage warehouse lending ("MWL")805,037 3.3 %728,241 3.0 %

16,577,380 6