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Interamerican Bank, A Federal Savings Bank

Miami, FL · Cert 31823

State savings bank · OCC · 5 branches

Q2 2026

$355.7MAssets
$234.4MLoans
$306.6MDeposits
$38.6MEquity
Loan mix
98%RE $222.7M0%C&I $1.0M1%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $240.6M22%Noninterest $66.0MQ2 2025Q2 2026

NIM

5.72%Q2 ’246.04%Q2 ’255.39%Q2 ’26+5%-22%

Non-interest income vs. expense

3.38%Q2 ’243.55%Q2 ’252.95%Q2 ’26+5%-20%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.1% share · #52 of 86 inst. · $0.3B of $348.8B

0.1% Miami-Dade
0.0% Palm Beach

Executive Summary

  • Earnings: ROA of 0.55%, down 17 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.73% of loans (-25 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 11.21%, down 222 bps from a year ago.
  • Funding: loans stand at 76.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-93 bps YoY

Efficiency Ratio (YTD, annualized)

80.36%+191 bps YoY

Tier 1 Leverage Ratio

11.21%-222 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.77%0.70%0.55%0.55%-17 bps
Return on Equity5.34%5.83%5.43%4.80%4.84%-50 bps
Net Interest Margin4.27%4.21%3.90%3.46%3.34%-93 bps
Efficiency Ratio78.45%80.15%80.00%80.49%80.36%+191 bps
Non-Interest Burden3.30%3.32%3.06%2.71%2.62%-67 bps
Growth
Asset Growth (YoY)6.63%13.75%20.26%25.39%24.38%+1,775 bps
Loan Growth (YoY)5.80%2.43%3.67%2.03%3.72%-208 bps
Deposit Growth (YoY)4.59%15.15%22.57%29.01%29.04%+2,445 bps
Asset Quality
Nonperforming Loans / Loans0.98%0.35%0.35%0.77%0.73%-25 bps
Net Charge-Offs / Loans-0.07%-0.05%-0.06%-0.04%-0.03%+4 bps
Allowance / Loans2.14%2.04%2.06%2.03%1.97%-18 bps
Allowance Coverage of NPLs2.2x5.9x5.9x2.6x2.7x+0.5x
Capital
Tier 1 Leverage Ratio13.43%12.96%12.14%11.67%11.21%-222 bps
Total Risk-Based Capital20.25%20.16%19.87%19.76%19.14%-110 bps
Equity / Assets12.98%12.45%11.77%11.37%10.86%-212 bps
Liquidity & Funding
Loans / Deposits95.08%86.94%84.55%77.97%76.43%-1,866 bps
Liquid Assets / Assets18.98%23.86%27.73%30.69%32.35%+1,337 bps
CRE / Total Capitaln/a325%330%333%n/an/a