BlastPoint's Banking Scorecard
Interaudi Bank
Designations: ✓ Community bank
New York, NY
2 branches across FL · NY
Interaudi Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.28% above tier average
- + Efficiency Ratio 6.40% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.58% above tier average
- - Nonperforming Asset Ratio 1.04% above tier average
- - ROA 0.20% below tier average
- - Net Interest Margin 0.79% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+11.1% YoY
+1.1% QoQ
|
-$154.6M |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
64% |
| Total Loans ? |
$1.6B
+9.9% YoY
+4.0% QoQ
|
-$380.5M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$2.3B
+11.9% YoY
+1.0% QoQ
|
-$21.5M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.17%
+25.2% YoY
+3.8% QoQ
|
-0.20% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.03%
+5.8% YoY
+1.1% QoQ
|
-0.79% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
54.66%
-5.5% YoY
-0.5% QoQ
|
-6.40% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
2.46%
-13.1% YoY
-4.5% QoQ
|
+1.58% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.2% in tier |
| Loan-to-Deposit Ratio ? |
68.24%
-1.8% YoY
+3.0% QoQ
|
-15.97% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
34.57%
+0.7% YoY
+3.8% QoQ
|
+13.28% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 9.8% in tier |
| Nonperforming Asset Ratio ? |
1.71%
-3.9% YoY
-1.6% QoQ
|
+1.04% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.6% in tier |
| Tier 1 Capital Ratio ? |
18.15%
-1.2% YoY
-5.1% QoQ
|
+2.99% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 11.0% in tier |
| Non-Interest Income / Assets ? |
0.16%
+6.2% YoY
-72.1% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
58% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
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