BlastPoint's Banking Scorecard
Interaudi Bank
Designations: ✓ Community bank
New York, NY
2 branches across FL · NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
- Deposits +10.0% year over year ($2.3B on the books).
- Delinquency rate 2.37%.
- Return on assets 1.24%.
- Efficiency ratio 53.77% vs a 59.73% peer average.
- Loan-to-deposit ratio 69.60% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Interaudi Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.53% above tier average
- + Efficiency Ratio 5.96% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.50% above tier average
- - Nonperforming Asset Ratio 1.01% above tier average
- - ROA 0.15% below tier average
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+9.5% YoY
+0.6% QoQ
|
-$116.2M |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$1.6B
+11.3% YoY
+2.7% QoQ
|
-$335.5M |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$2.3B
+10.0% YoY
+0.7% QoQ
|
+$19.8M |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.24%
+17.9% YoY
+5.9% QoQ
|
-0.15% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.14%
+6.2% YoY
+3.5% QoQ
|
-0.73% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
53.77%
-5.5% YoY
-1.6% QoQ
|
-5.96% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
2.37%
-2.3% YoY
-3.8% QoQ
|
+1.50% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.8% in tier |
| Loan-to-Deposit Ratio ? |
69.60%
+1.2% YoY
+2.0% QoQ
|
-15.43% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Top 14.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.80%
-1.2% YoY
+0.7% QoQ
|
+13.53% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
Top 8.9% in tier |
| Nonperforming Asset Ratio ? |
1.68%
-5.5% YoY
-1.6% QoQ
|
+1.01% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.4% in tier |
| Tier 1 Capital Ratio ? |
18.12%
-2.8% YoY
-0.2% QoQ
|
+3.28% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
Top 11.2% in tier |
| Non-Interest Income / Assets ? |
0.32%
+6.3% YoY
+99.5% QoQ
|
-0.21% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
57% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
34.8%
-0.4pp YoY +0.2pp QoQ |
+13.4pp | 21.4% | 22.1% | 22.2% | 91% |
| Brokered Deposits |
0.7%
-2.4pp YoY -2.9pp QoQ |
-8.7pp | 9.5% | 8.0% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.1%
+1.1pp YoY +0.5pp QoQ |
-1.9pp | 14.0% | 11.0% | 12.5% | 55% |
| CRE |
45.5%
-0.1pp YoY -0.8pp QoQ |
-4.5pp | 50.0% | 46.2% | 41.4% | 37% |
| 1-4 Family |
37.8%
-1.3pp YoY +0.5pp QoQ |
+11.4pp | 26.4% | 36.6% | 31.3% | 79% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 5.1% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.1%
-0.5pp YoY 0.0pp QoQ |
+2.5pp | 15.6% | 26.1% | 19.7% | 87% |
| Leverage Ratio |
10.0%
-0.4pp YoY +0.1pp QoQ |
-1.3pp | 11.3% | 13.9% | 12.6% | 37% |
| Total Capital Ratio |
18.8%
-0.6pp YoY -0.1pp QoQ |
+2.2pp | 16.7% | 27.2% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
156
+4 (+2.6%) YoY 0 QoQ |
-158 | 313 | 914 | 482 | 24% |
| Assets per Employee ($) |
$17.2M
+6.7% YoY +0.6% QoQ |
+$6.7M | $10.5M | $14.8M | $8.8M | 93% |
| Branch Count |
2
0 YoY 0 QoQ |
-18 | 20 | 27 | 18 | 5% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.1% | 0.4% | 8% |
| Nonaccrual |
2.4%
-0.1pp YoY -0.1pp QoQ |
+1.5pp | 0.8% | 1.3% | 1.0% | 94% |
| Allowance Coverage |
0.26x
-5.9% YoY +0.2% QoQ |
-18.45x | 18.71x | 1.92x | 20.23x | 2% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.3%
+2.0pp YoY +0.6pp QoQ |
-0.3pp | 12.6% | 7.9% | 11.6% | 51% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.8% | 1.7% | 56% |
| Net Income ($, YTD) |
$16.4M
+28.7% YoY — QoQ |
-$2.8M | $19.2M | $111.2M | $40.4M | 63% |
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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
See how this bank ranks across all tracked metrics compared to peers.