Bank Comparison
International Finance Bank vs US Metro Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | International Finance Bank | US Metro Bank |
|---|---|---|
| CET1 Ratio | 10.71% | 12.80% |
| Tier 1 Capital Ratio | 10.71% | 12.80% |
| Total Capital Ratio | 11.96% | 14.05% |
| Tier 1 Leverage Ratio | 8.46% | 10.61% |
| Equity / Assets | 8.27% | 10.16% |
Profitability
| Metric | International Finance Bank | US Metro Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 1.03% |
| Return on Equity (ROE) | 15.24% | 10.03% |
| Net Interest Margin (NIM) | 3.56% | 3.29% |
| Yield on Earning Assets | 5.36% | 5.94% |
| Cost of Funds | 1.93% | 2.91% |
Asset quality
| Metric | International Finance Bank | US Metro Bank |
|---|---|---|
| Texas Ratio | 1.51% | 13.94% |
| Non-Performing Loan Ratio | 0.17% | 1.62% |
| Non-Performing Asset Ratio | 0.14% | 1.56% |
| Net Charge-Off Ratio | 0.00% | 0.27% |
| ACL / Loans | 1.26% | 1.27% |
Balance sheet
| Metric | International Finance Bank | US Metro Bank |
|---|---|---|
| Total Assets | $1,565M | $1,563M |
| Total Deposits | $1,407M | $1,362M |
| Total Loans | $1,280M | $1,302M |
| Total Equity | $129,443K | $158,805K |
| Net Income (quarter) | $4,841K | $3,949K |
Liquidity & funding
| Metric | International Finance Bank | US Metro Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.96% | 95.60% |
| Core Deposit Ratio | 86.75% | 66.35% |
| Uninsured Deposit Ratio | 14.46% | 45.40% |
Identity
| Metric | International Finance Bank | US Metro Bank |
|---|---|---|
| Headquarters City | MIAMI | GARDEN GROVE |
| Headquarters State | FL | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 11 |
| Employees (FTE) | 128 | 202 |
| Established | Nov. 30, 1983, midnight | Sept. 15, 2006, 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.
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