Bank Comparison
Interamerican Bank, a Federal Savings Bank vs Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Interamerican Bank, a Federal Savings Bank | Heritage Bank |
|---|---|---|
| CET1 Ratio | 18.50% | 11.19% |
| Tier 1 Capital Ratio | 18.50% | 11.19% |
| Total Capital Ratio | 19.76% | 12.37% |
| Tier 1 Leverage Ratio | 11.67% | 9.93% |
| Equity / Assets | 11.37% | 10.47% |
Profitability
| Metric | Interamerican Bank, a Federal Savings Bank | Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 0.56% | 1.90% |
| Return on Equity (ROE) | 4.80% | 16.75% |
| Net Interest Margin (NIM) | 3.51% | 4.54% |
| Yield on Earning Assets | 5.61% | 6.66% |
| Cost of Funds | 2.36% | 2.14% |
Asset quality
| Metric | Interamerican Bank, a Federal Savings Bank | Heritage Bank |
|---|---|---|
| Texas Ratio | 8.74% | 3.42% |
| Non-Performing Loan Ratio | 1.65% | 0.01% |
| Non-Performing Asset Ratio | 1.11% | 0.01% |
| Net Charge-Off Ratio | -0.04% | -0.02% |
| ACL / Loans | 2.03% | 1.33% |
Balance sheet
| Metric | Interamerican Bank, a Federal Savings Bank | Heritage Bank |
|---|---|---|
| Total Assets | $335,839K | $335,781K |
| Total Deposits | $290,520K | $244,912K |
| Total Loans | $226,514K | $235,230K |
| Total Equity | $38,169K | $35,154K |
| Net Income (quarter) | $455 | $1,451K |
Liquidity & funding
| Metric | Interamerican Bank, a Federal Savings Bank | Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.97% | 96.05% |
| Core Deposit Ratio | 80.87% | 94.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Interamerican Bank, a Federal Savings Bank | Heritage Bank |
|---|---|---|
| Headquarters City | MIAMI | TOPEKA |
| Headquarters State | FL | KS |
| Asset Tier | Small | Small |
| Charter Class | 707506 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 77 | 47 |
| Established | Aug. 23, 1976, midnight | April 14, 2003, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Interamerican Bank, a Federal Savings Bank profile | View full Heritage Bank profile | Browse all bank comparisons