What First Miami Bancorp Inc does

First Miami Bancorp Inc is a publicly traded bank holding company headquartered in Miami, Florida, operating under the First National Bank of South Miami brand. The company was founded in 1952 and trades on the OTCQB market under the ticker symbol FMIA. Per firmographic records, the organization maintains a small workforce of 51-100 employees and operates through its website at fnbsm.com, offering personal banking services as its primary business function.

The aggregated enrichment content in the input describes a substantially larger, multi-channel banking platform headquartered in Greenville, South Carolina, operating under United Community Bank with a full suite of personal, business, mortgage, and wealth management products, a regional Southeast footprint, and J.D. Power customer satisfaction recognition. All of that detailed content is sourced via a single source ID that explicitly references United Community Bank's website, legal entity, and Greenville, South Carolina headquarters. Because the source ID does not carry across source blocks and the firmographic data for First Miami Bancorp Inc does not match the enriched entity, those products, segments, financials, awards, and digital platform details cannot be attributed to First Miami Bancorp Inc.

The financial figures supplied in the input are not usable: revenue values are reported in the tens of trillions of dollars, which is incompatible with a 51-100 employee community bank holding company and not attributable via any source ID. Leadership data lists only one named officer, Bruce Wirtz MacArthur as Chief Executive Officer, with no further management team detail.

Name

First Miami Bancorp Inc

Legal name

United Community Bank

Website

https://fnbsm.com

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

Keywords

• Community banking services
• Consumer deposit accounts
• Residential mortgage lending
• Small business lending
• Treasury management services

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Distribution channels5 records

Marketing channels5 records

Core offering

First Miami Bancorp Inc operates a community bank delivering FDIC-insured deposit products (checking, savings, money market, certificates of deposit), consumer and residential mortgage lending, a full business banking line with SBA/USDA/equipment/asset-based lending, treasury management and merchant services for businesses, and wealth management with financial advisory, private wealth, and insurance. Service is delivered through branch locations and a digital channel comprising an online banking platform and a mobile banking application available on iOS and Android.

Product overview

First Miami Bancorp Inc operates a multi-channel banking platform offering personal, business, mortgage, and wealth management services. The core product portfolio consists of deposit accounts (checking, savings, CDs, money market), digital banking via the United Mobile App and online platform, and lending products (consumer loans, home equity, mortgages, business loans). Business services include specialized lending (SBA, USDA, equipment, asset-based), treasury management, and merchant services. Wealth offerings encompass financial advisors, private wealth, and insurance. The architecture combines a unified digital banking platform with specialized product divisions for distinct customer segments.

Differentiator

Problem solved

Functional benefit

Brands

• United Community Bank Foundation: Corporate foundation focused on community investment

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Direct peers

• ServisFirst Bancshares: Southeast-focused commercial bank with branches across Alabama, Florida, Georgia, and the Carolinas. Highly comparable in business banking, real estate lending, treasury management, and relationship-driven commercial model.
• United Community Bank: Community/regional bank in the Southeast offering personal, business, mortgage, and wealth management services. The detailed operational data in the company record describes United Community Bank's products, awards, and channels, making it the most direct functional peer despite the firmographic name mismatch.
• Pinnacle Financial Partners: Tennessee-headquartered community/regional bank with strong Southeast footprint. Competes directly in personal banking, business banking, wealth management, and specialty commercial lending — frequently cited for relationship-banking model similar to community bank peers.
• Atlantic Capital Bancshares: Southeast-focused commercial bank (now part of First Horizon). Comparable in business banking, treasury management, and specialty commercial lending for middle-market clients in the Southeast.
• Bank OZK: Arkansas-headquartered community bank with growing Southeast footprint. Comparable in real estate lending, business banking, and treasury services; known for disciplined credit underwriting in community banking.

Broad incumbents

• Regions Financial Corporation: Large Southeast regional bank with deep presence across Alabama, Florida, Georgia, Tennessee, and the Carolinas. Major direct competitor in consumer, business, and mortgage banking across overlapping Southeast markets.
• First Horizon Corporation: Major Southeast-based regional bank with deep Tennessee, North Carolina, and Florida presence. Comparable in personal/business banking, mortgage, and wealth management, though significantly larger in scale and exchange-listed.
• SouthState Corporation: Large Southeast regional bank serving consumers and businesses across FL, GA, AL, SC, NC, VA, and TN. Overlaps broadly in personal banking, business banking, mortgage, and wealth management, though materially larger scale.

Regional players

• Cadence Bank: Southeast/Texas-focused regional bank with personal, business, mortgage, and wealth offerings. Comparable in commercial banking, treasury management, and specialty lending, with overlapping geographic footprint in parts of the Southeast.
• BankUnited: Florida-headquartered community/regional bank with personal and business banking, lending, and wealth services. Particularly comparable given the Miami geographic nexus implied by the firmographic data.

Market position

Strengths4 records

Weaknesses5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/ucbi
• YouTubeyoutube.com/channel/UCialrI_WTci-LSccpPvBiSA
• Facebookfacebook.com/fnbsm
• LinkedInlinkedin.com/company/first-national-bank-of-south-miami
• Instagraminstagram.com/unitedcommunitybank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Miami Bancorp Inc