Interamerican Bank, a Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 3.30 percentage points higher than in Q1 2026, at 126.14%. Interamerican Bank, a Federal Savings Bank ranks 64th of 79 Florida banks on return on assets, in the lower half at 0.54% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Interamerican Bank, a Federal Savings Bank reported 0.54% on return on assets in Q2 2026, 0.71 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.88% |
| Tier 1 risk-based capital ratio | 17.88% |
| Total risk-based capital ratio | 19.14% |
| Tier 1 leverage ratio | 11.21% |
| Equity capital to assets | 10.86% |
| Tangible equity to tangible assets | 10.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.56% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 8.45% |
| Allowance for credit losses to loans | 1.97% |
| Reserve coverage of non-performing loans | 126.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.54% |
| Return on equity | 4.88% |
| Net interest margin | 3.45% |
| Efficiency ratio | 80.24% |
| Yield on earning assets | 5.61% |
| Cost of funds | 2.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.43% |
| Core deposits to total deposits | 83.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.21% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.42% | 21.42% | 22.69% | 13.23% | 1.16% |
| Q4 2023 | 20.34% | 20.34% | 21.61% | 13.45% | 0.37% |
| Q1 2024 | 19.35% | 19.35% | 20.62% | 13.53% | 0.62% |
| Q2 2024 | 18.68% | 18.68% | 19.94% | 13.17% | 0.95% |
| Q3 2024 | 18.58% | 18.58% | 19.84% | 13.37% | 0.78% |
| Q4 2024 | 18.79% | 18.79% | 20.05% | 13.65% | 0.89% |
| Q1 2025 | 19.70% | 19.70% | 20.96% | 13.86% | 0.64% |
| Q2 2025 | 18.98% | 18.98% | 20.25% | 13.43% | 0.81% |
| Q3 2025 | 18.89% | 18.89% | 20.16% | 12.96% | 0.87% |
| Q4 2025 | 18.61% | 18.61% | 19.87% | 12.14% | 0.51% |
| Q1 2026 | 18.50% | 18.50% | 19.76% | 11.67% | 0.56% |
| Q2 2026 | 17.88% | 17.88% | 19.14% | 11.21% | 0.54% |
Interamerican Bank, a Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Interamerican Bank, a Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Interamerican Bank, a Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31823) · FFIEC NIC profile (RSSD 221775)