Interamerican Bank, a Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Interamerican Bank, a Federal Savings Bank is an FDIC-insured savings institution headquartered in Miami, FL, established in 1976 (FDIC certificate 31823), and it is supervised by the OCC. At Q2 2026 it reported total assets of $355.7M, up 24.4% from Q2 2025, the 54th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 17.88% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31823
- Headquarters
- Miami, FL
- Established
- 1976
- Total assets, Q2 2026
- $355.7M
- Assets vs Q2 2025
- +24.4%
- CET1 ratio, Q2 2026
- 17.88%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 267087769
- Latest call report
- Q2 2026, FFIEC 051 · Interamerican Bank, a Federal Savings Bank Q3 2026 call report, filed October 22, 2026 (preliminary)
- Asset rank in state
- 54th of 81 in Florida
Interamerican Bank, a Federal Savings Bank is growing quickly. Based in Miami, Florida, it had $356 million in assets at June 30, 2026, up 24.4% from a year earlier. It grew deposits 29.0% over the year, 7.2 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter slipped 16% from a year earlier, to $469,000. Over the same year, loans grew 3.7% and deposits grew 29.0%. Profitability lags: it returns 4.9% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Interamerican Bank, a Federal Savings Bank reported a CET1 capital ratio of 17.88%, a return on assets of 0.54%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 3.96%. The figures come from its call report filed with the FFIEC.
Interamerican Bank, a Federal Savings Bank ranks as the 54th largest of the 81 banks based in Florida, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.9% to $355.7M, loans rose 3.5% and deposits rose 5.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.2% of total loans, followed by non-owner-occupied commercial real estate loans at 36.6%. Its 5 offices in the FDIC Summary of Deposits are in Miami, FL, Hialeah, FL and West Palm Beach, FL; its Miami 3 offices book 90% of its branch deposits. By the capital ratios in its Q2 2026 call report, Interamerican Bank, a Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9190 Coral Way, Miami, FL 33165
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 23, 1976
- Former names
- Interamerican Bank, A FSB (1989)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 77
- Domestic deposits
- $306.6M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- -$41K
- Average total assets
- $344.6M
- Average total loans
- $227.4M
- Average interest-bearing deposits
- $236.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31823
- Fed RSSD
- 221775
- Website
- www.interamericanbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Interamerican Bank, a Federal Savings Bank's total assets ran between $249.3M (Q4 2023) and $355.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$355.7M total assets against $286.0M; $317.0M total liabilities against $248.8M.
$229.8M net loans and leases against $221.1M; $306.6M total deposits against $237.6M.
$0 securities against $0; $116.5M cash and balances due against $55.8M.
$4.8M total interest income against $4.3M; $1.8M total interest expense against $1.3M.
$2.9M net interest income against $3.0M.
$257K total noninterest income against $183K; $2.6M total noninterest expense against $2.4M.
$0 provision for credit losses against $33K.
$469K net income against $557K.
0.54% return on assets against 0.81%; 3.45% net interest margin against 4.44%.
17.88% CET1 capital ratio against 18.98%; 11.21% tier 1 leverage ratio against 13.43%.
Inside the full Interamerican Bank, a Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Interamerican Bank, a Federal Savings Bank rankings
Its closest position to the top of a national ranking is 494 of 2,134, for CET1 ratio; its furthest is 3,252 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q4 2025) to 0.89% (Q4 2024) and its net interest margin ran from 3.45% (Q2 2026) to 4.62% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.88% | 0.54% | 0.73% | 3.96% | 3.45% |
| Q1 2026 | 18.50% | 0.56% | 0.77% | 4.10% | 3.51% |
| Q4 2025 | 18.61% | 0.51% | 0.35% | 1.86% | 3.82% |
| Q3 2025 | 18.89% | 0.87% | 0.35% | 1.85% | 4.62% |
| Q2 2025 | 18.98% | 0.81% | 0.98% | 5.28% | 4.44% |
| Q1 2025 | 19.70% | 0.64% | 1.20% | 6.44% | 4.46% |
| Q4 2024 | 18.79% | 0.89% | 1.19% | 6.34% | 4.11% |
| Q3 2024 | 18.58% | 0.78% | 1.44% | 7.68% | 4.44% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Interamerican Bank, A Fsb | Miami , FL | 33165 | $204.4M |
| West Miami Branch | Miami , FL | 33144 | $57.3M |
| Hialeah Branch | Hialeah , FL | 33012 | $26.3M |
| Kendall Branch | Miami , FL | 33173 | $15.9M |
| South Congress Avenue Branch | West Palm Beach , FL | 33406 | $2.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- September 19, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Interamerican Bank, A FSB
- Period: Most recent institution action September 19, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in FL, rank 99 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $105K approved, $52K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Interamerican Bank, a Federal Savings Bank
What are Interamerican Bank, a Federal Savings Bank's total assets?
As of the Q2 2026 filing, Interamerican Bank, a Federal Savings Bank reported total assets of $355.7 million in its FFIEC call report.
Where is Interamerican Bank, a Federal Savings Bank headquartered?
It is headquartered in Miami, FL, United States.
When was Interamerican Bank, a Federal Savings Bank founded?
It was established in 1976, per the FDIC institution directory.
Is Interamerican Bank, a Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Interamerican Bank, a Federal Savings Bank?
Interamerican Bank, a Federal Savings Bank's primary federal regulator is the OCC.
What is Interamerican Bank, a Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.88% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Interamerican Bank, a Federal Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Interamerican Bank, a Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 3.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Interamerican Bank, a Federal Savings Bank previously called?
The charter now named Interamerican Bank, a Federal Savings Bank has also operated as Interamerican Bank, A FSB (1989), per FDIC structure-change records.
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