BlastPoint's Banking Scorecard
Interamerican Bank, A FSB
Designations: ✓ Minority Depository Institution
Miami, FL
5 branches across FL
Interamerican Bank, A FSB has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.6% in tier
- - NIB Deposit Bleed: Bottom 44.4% in tier
- - ROA 0.71% below tier average
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$335.8M
+25.4% YoY
+4.8% QoQ
|
-$50.2M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$221.9M
+2.1% YoY
+0.5% QoQ
|
-$33.8M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$290.5M
+29.0% YoY
+9.0% QoQ
|
-$37.5M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
0.55%
-12.0% YoY
-20.4% QoQ
|
-0.71% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.6% in tier |
| Net Interest Margin ? |
3.56%
-20.7% YoY
-18.1% QoQ
|
-0.37% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
80.49%
-1.2% YoY
+0.6% QoQ
|
+15.21% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate ? |
0.79%
-35.6% YoY
+120.8% QoQ
|
-0.10% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
76.39%
-20.8% YoY
-7.8% QoQ
|
-0.25% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
20.95%
-16.5% YoY
+2.4% QoQ
|
-1.07% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.52%
-47.5% YoY
+111.8% QoQ
|
-0.12% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
18.50%
-6.1% YoY
-0.6% QoQ
|
+2.67% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.09%
+47.2% YoY
-68.9% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
45% |
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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 (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.