BlastPoint's Banking Scorecard

International Finance Bank

$1B-$10B Specialty: Commercial FL FDIC cert 24823

Designations: ✓ Community bank ✓ Minority Depository Institution

Miami, FL

3 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 24 in FL.
Deposits +16.2% year over year ($1.5B on the books).
Delinquency rate 0.30%.
Return on assets 1.20%.
Efficiency ratio 52.84% vs a 59.73% peer average.
Loan-to-deposit ratio 90.45% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL

View $1B-$10B leaderboard (FL) →

International Finance Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 19.55% above tier average
+ Efficiency Ratio 6.89% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.9% in tier
- ROA 0.19% below tier average
- Net Interest Margin 0.34% below tier average

Get updates when International Finance Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.6B +17.3% YoY +3.3% QoQ	-$1.2B	$2.8B -0.6% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$1.3B +17.2% YoY +4.3% QoQ	-$645.0M	$2.0B -0.3% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$1.5B +16.2% YoY +3.6% QoQ	-$861.4M	$2.3B -0.5% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	1.20% -7.4% YoY -2.2% QoQ	-0.19%	1.39% +17.0% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	3.53% -6.4% YoY +0.3% QoQ	-0.34%	3.87% +6.2% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	38%
Efficiency Ratio ?	52.84% -3.4% YoY +2.3% QoQ	-6.89%	59.73% -12.6% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.30% +31.6% YoY +74.8% QoQ	-0.56%	0.87% +11.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	90.45% +0.8% YoY +0.7% QoQ	+5.41%	85.04% -0.1% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	40.83% -7.5% YoY -3.5% QoQ	+19.55%	21.27% -1.5% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	Top 4.0% in tier
Nonperforming Asset Ratio ?	0.25% +31.4% YoY +76.5% QoQ	-0.43%	0.67% +11.7% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	10.25% -6.4% YoY -4.3% QoQ	-4.59%	14.84% -0.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Bottom 8.1% in tier
Non-Interest Income / Assets ?	0.20% -16.5% YoY +92.7% QoQ	-0.33%	0.53% +2.5% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	31%

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 (FL)	National Avg	Tier Percentile
Noninterest-Bearing	40.8% -3.3pp YoY -1.5pp QoQ	+19.5pp	21.4%	27.7%	22.2%	96%
Brokered Deposits	3.9% +2.8pp YoY -0.9pp QoQ	-5.5pp	9.5%	8.7%	8.5%	40%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	21.5% -5.6pp YoY -0.1pp QoQ	+7.5pp	14.0%	12.9%	12.5%	83%
CRE	56.7% +4.1pp YoY +0.4pp QoQ	+6.7pp	50.0%	50.6%	41.4%	68%
1-4 Family	13.5% +0.1pp YoY -0.1pp QoQ	-12.9pp	26.4%	30.7%	31.3%	26%
Consumer	6.5% +0.3pp YoY -0.4pp QoQ	+1.8pp	4.7%	3.7%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	10.2% -0.7pp YoY -0.5pp QoQ	-5.3pp	15.6%	19.8%	19.7%	2%
Leverage Ratio	8.3% -0.3pp YoY -0.2pp QoQ	-3.0pp	11.3%	13.9%	12.6%	3%
Total Capital Ratio	11.5% -0.7pp YoY -0.5pp QoQ	-5.2pp	16.7%	21.1%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	137 +9 (+7.0%) YoY +9 (+7.0%) QoQ	-177	313	295	482	19%
Assets per Employee ($)	$11.8M +9.6% YoY -3.5% QoQ	+$1.3M	$10.5M	$10.3M	$8.8M	77%
Branch Count	3 0 YoY 0 QoQ	-17	20	13	18	8%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.1pp	0.2%	0.3%	0.4%	34%
Nonaccrual	0.3% +0.1pp YoY +0.1pp QoQ	-0.5pp	0.8%	0.7%	1.0%	30%
Allowance Coverage	4.17x -24.7% YoY -43.4% QoQ	-14.54x	18.71x	16.62x	20.23x	73%
Net Charge-off Rate (YTD)	0.0%	-0.3pp	0.3%	0.2%	0.2%	23%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	14.8% -0.3pp YoY -0.4pp QoQ	+2.3pp	12.6%	9.3%	11.6%	72%
Cost of Funds (YTD)	1.8% 0.0pp YoY +0.1pp QoQ	-0.1pp	1.9%	1.8%	1.7%	46%
Net Income ($, YTD)	$9.6M +10.2% YoY — QoQ	-$9.7M	$19.2M	$25.2M	$40.4M	38%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#94 of 492 • Bottom 18.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 40.83%

Peer Median: 21.27%

#36 of 885 Top 4.0% in $1B-$10B

Top Weaknesses (1 metrics)

814

Tier 1 Capital Ratio

capital

Value: 10.25%

Peer Median: 14.84%

#814 of 885 Bottom 8.1% in $1B-$10B