BlastPoint's Banking Scorecard

Interamerican Bank, A FSB

$100M-$1B Specialty: Commercial FL FDIC cert 31823

Designations: ✓ Minority Depository Institution

Miami, FL

5 branches across FL

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
Deposits +29.0% year over year ($306.6M on the books).
Delinquency rate 0.74%.
Return on assets 0.55%.
Efficiency ratio 80.36% vs a 64.48% peer average.
Loan-to-deposit ratio 74.93% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (FL) →

Interamerican Bank, A FSB has 1 strength 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

+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.5% in tier
- ROA 0.77% below tier average
- Net Interest Margin 0.46% below tier average

Get updates when Interamerican Bank, A FSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$355.7M +24.4% YoY +5.9% QoQ	-$30.9M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$229.8M +3.9% YoY +3.5% QoQ	-$28.6M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$306.6M +29.0% YoY +5.6% QoQ	-$20.1M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	0.55% -23.4% YoY -1.2% QoQ	-0.77%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	Bottom 13.5% in tier
Net Interest Margin ?	3.53% -21.4% YoY -1.0% QoQ	-0.46%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	80.36% +2.4% YoY -0.2% QoQ	+15.89%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	Bottom 13.2% in tier
Delinquency Rate ?	0.74% -25.6% YoY -5.6% QoQ	-0.17%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	74.93% -19.5% YoY -1.9% QoQ	-3.03%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	60%
Non-Interest-Bearing Deposit Share ?	21.52% -12.4% YoY +2.7% QoQ	-0.51%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	0.48% -37.9% YoY -7.7% QoQ	-0.19%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	17.88% -5.8% YoY -3.3% QoQ	+1.97%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.16% +29.6% YoY +75.6% QoQ	-0.41%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	36%

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	21.5% -3.0pp YoY +0.6pp QoQ	-0.6pp	22.1%	27.7%	22.2%	52%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	0.4% -0.5pp YoY 0.0pp QoQ	-11.1pp	11.6%	12.9%	12.5%	2%
CRE	60.8% +4.6pp YoY +3.5pp QoQ	+21.3pp	39.5%	50.6%	41.4%	85%
1-4 Family	40.0% -3.9pp YoY -3.1pp QoQ	+7.4pp	32.6%	30.7%	31.3%	70%
Consumer	0.7% -0.5pp YoY -0.4pp QoQ	-3.4pp	4.1%	3.7%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	17.9% -1.1pp YoY -0.6pp QoQ	-0.9pp	18.8%	19.8%	19.7%	69%
Leverage Ratio	11.2% -2.2pp YoY -0.5pp QoQ	-1.0pp	12.2%	13.9%	12.6%	54%
Total Capital Ratio	19.1% -1.1pp YoY -0.6pp QoQ	-0.8pp	19.9%	21.1%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	77 -1 (-1.3%) YoY 0 QoQ	+18	58	295	482	75%
Assets per Employee ($)	$4.6M +26.0% YoY +5.9% QoQ	-$2.9M	$7.5M	$10.3M	$8.8M	9%
Branch Count	5 0 YoY 0 QoQ	0	4	13	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.7% -0.3pp YoY 0.0pp QoQ	-0.2pp	0.9%	0.7%	1.0%	64%
Allowance Coverage	2.69x +23.2% YoY +2.8% QoQ	-21.46x	24.15x	16.62x	20.23x	56%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	4.8% -0.5pp YoY 0.0pp QoQ	-7.4pp	12.2%	9.3%	11.6%	13%
Cost of Funds (YTD)	2.2% +0.3pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	79%
Net Income ($, YTD)	$924,000 -5.5% YoY — QoQ	-$1.6M	$2.6M	$25.2M	$40.4M	24%

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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)

Efficiency Drag

risk

#21 of 361 • Bottom 5.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.36%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

518

Tier 1 Capital Ratio

capital

Value: 17.88%

Peer Median: 15.91%

#518 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (2 metrics)

2294

Efficiency Ratio

profitability

Value: 80.36%

Peer Median: 64.48%

#2294 of 2643 Bottom 13.2% in $100M-$1B

2287

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.32%

#2287 of 2643 Bottom 13.5% in $100M-$1B