Interamerican Bank, A Federal Savings Bank
Miami, FL · Cert 31823 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 5 branches
Q2 2026
$355.7MAssets
$234.4MLoans
$306.6MDeposits
$38.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: return on assets trails 84% of banks under $1B in assets operating in a single state (rank 629 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.52%
Rank 629 of 746
Net Interest Margin
3.34%
Rank 512 of 746
Efficiency Ratio
80.36%
Rank 621 of 746
Equity / Assets
10.86%
Rank 335 of 746
Non-interest income vs. expense
Unfavorable gap of $9.0M · efficiency ratio beats 17% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.72% | 1.06% | 1.45% | Beats 16% | 629 / 746 | | |
| Return on Equity | 4.78% | 6.74% | 10.51% | 13.63% | Beats 17% | 621 / 746 | | |
| Net Interest Margin | 3.34% | 3.17% | 3.68% | 4.16% | Beats 31% | 512 / 746 | | |
| Efficiency Ratio | 80.36% | 55.74% | 64.58% | 75.47% | Beats 17% | 621 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.07% | Beats 36% | 481 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.88% | 11.55% | 13.75% | 17.60% | Beats 76% | 179 / 746 | | |
| Total Risk-Based Capital Ratio | 19.14% | 11.71% | 14.33% | 18.43% | Beats 78% | 164 / 746 | | |
| Equity / Assets | 10.86% | 8.90% | 10.51% | 13.06% | Beats 55% | 335 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.43% | 61.31% | 78.27% | 90.78% | 47th pctl | 399 / 746 | | |
| Loans / Assets | 65.89% | 53.60% | 66.97% | 76.08% | 47th pctl | 395 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |