Interamerican Bank, A Federal Savings Bank
Miami, FL · Cert 31823 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 182 of 748).
- Widest gap: return on equity trails 84% of banks under $1B in assets operating in a single state (rank 628 of 752).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.52%
Rank 633 of 752
Net Interest Margin
3.34%
Rank 519 of 752
Efficiency Ratio
80.36%
Rank 625 of 752
Equity / Assets
10.86%
Rank 346 of 752
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% | 1.07% | 1.45% | Beats 16% | 633 / 752 | | |
| Return on Equity | 4.78% | 6.78% | 10.58% | 13.65% | Beats 16% | 628 / 752 | | |
| Net Interest Margin | 3.34% | 3.18% | 3.69% | 4.17% | Beats 31% | 519 / 752 | | |
| Efficiency Ratio | 80.36% | 55.75% | 64.49% | 75.47% | Beats 17% | 625 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.03% | Beats 35% | 485 / 748 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 17.88% | 11.55% | 13.75% | 17.60% | Beats 76% | 181 / 752 | | |
| Total Risk-Based Capital Ratio | 19.14% | 11.70% | 14.33% | 18.47% | Beats 78% | 168 / 752 | | |
| Equity / Assets | 10.86% | 8.93% | 10.56% | 13.13% | Beats 54% | 346 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.43% | 62.23% | 78.64% | 91.26% | 45th pctl | 410 / 752 | | |
| Loans / Assets | 65.89% | 54.61% | 67.41% | 76.47% | 46th pctl | 408 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |