BlastPoint's Banking Scorecard
International Finance Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Miami, FL
3 branches across FL · NY
International Finance Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.00% above tier average
- + Efficiency Ratio 9.38% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 63.1% in tier
- - Net Interest Margin 0.30% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+15.1% YoY
-0.9% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$1.3B
+15.9% YoY
+3.4% QoQ
|
-$701.0M |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$1.4B
+13.9% YoY
-1.4% QoQ
|
-$936.0M |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.23%
-8.8% YoY
-5.1% QoQ
|
-0.13% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
3.52%
-3.9% YoY
-5.2% QoQ
|
-0.30% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
51.68%
-4.3% YoY
-5.9% QoQ
|
-9.38% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.17%
-42.8% YoY
-5.9% QoQ
|
-0.71% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
89.81%
+1.8% YoY
+4.8% QoQ
|
+5.61% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
42.29%
-6.5% YoY
-4.5% QoQ
|
+21.00% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 3.7% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-42.3% YoY
-1.8% QoQ
|
-0.53% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
10.71%
-4.1% YoY
+1.3% QoQ
|
-4.45% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.4% in tier |
| Non-Interest Income / Assets ? |
0.10%
-10.7% YoY
-73.9% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.