Interaudi Bank
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Data as of · sourced from FFIEC call reports. How we update
Interaudi Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 1983 (FDIC certificate 24516), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.68B, up 9.5% from Q2 2025, the 30th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 18.12% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 24516
- Headquarters
- New York, NY
- Established
- 1983
- Total assets, Q2 2026
- $2.68B
- Assets vs Q2 2025
- +9.5%
- CET1 ratio, Q2 2026
- 18.12%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 026006237
- Asset rank in state
- 30th of 105 in New York
Interaudi Bank, based in New York, New York, reported $2.7 billion in assets at June 30, 2026, up 9.5% from a year earlier. It holds about half of its deposits (57%) above the FDIC insurance limit, about double the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 16.1% of the capital and reserves that would absorb them, 4.5 times the median of 3.6% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $8.7 million. Its margin is thin by comparison: it keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Interaudi Bank reported a CET1 capital ratio of 18.12%, a return on assets of 1.28%, a nonperforming-loan ratio of 2.36% and a Texas ratio of 16.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Interaudi Bank is the 30th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $2.68B, loans rose 2.7% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.6% of total loans, ahead of non-owner-occupied commercial real estate loans at 31.7%. Its 2 offices in the FDIC Summary of Deposits are in New York, NY and Miami, FL; its New York office books 63% of its branch deposits. Judged on its Q2 2026 call report, Interaudi Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19 E 54th St, New York, NY 10022
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- June 14, 1983
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 156
- Domestic deposits
- $2.34B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $2.71B
- Average total loans
- $1.62B
- Average interest-bearing deposits
- $1.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 14, 1983
- FDIC Cert
- 24516
- Fed RSSD
- 538802
- Website
- www.interaudibank.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
From Q3 2023 to Q2 2026, Interaudi Bank's total assets ranged from $2.20B (Q3 2023) to $2.68B (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
$2.68B total assets against $2.44B; $2.41B total liabilities against $2.19B.
$1.63B net loans and leases against $1.46B; $2.34B total deposits against $2.13B.
$588.5M securities against $468.6M; $396.2M cash and balances due against $448.6M.
$33.8M total interest income against $31.5M; $12.8M total interest expense against $13.4M.
$21.1M net interest income against $18.0M.
$4.3M total noninterest income against $3.7M; $13.4M total noninterest expense against $12.2M.
$0 provision for credit losses against $90K.
$8.7M net income against $7.1M.
1.28% return on assets against 1.18%; 3.16% net interest margin against 3.06%.
18.12% CET1 capital ratio against 18.64%; 10.02% tier 1 leverage ratio against 10.42%.
Inside the full Interaudi 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
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.
Interaudi Bank rankings
Its closest position to the top of a national ranking is 49 of 980, for uninsured deposits; its furthest is 1,799 of 3,611, for ROA.
Metric pages for Interaudi Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q1 2025) to 1.39% (Q4 2024) and its net interest margin ran from 2.67% (Q4 2024) to 3.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.12% | 1.28% | 2.36% | 16.05% | 3.16% |
| Q1 2026 | 18.15% | 1.17% | 2.45% | 16.70% | 3.01% |
| Q4 2025 | 19.12% | 1.19% | 2.56% | 16.60% | 2.99% |
| Q3 2025 | 19.24% | 1.23% | 2.39% | 15.61% | 3.10% |
| Q2 2025 | 18.64% | 1.18% | 2.41% | 16.81% | 3.06% |
| Q1 2025 | 18.38% | 0.95% | 2.82% | 16.88% | 2.88% |
| Q4 2024 | 19.48% | 1.39% | 2.59% | 14.75% | 2.67% |
| Q3 2024 | 19.00% | 1.06% | 2.81% | 15.54% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Interaudi Bank (main office) | New York , NY | 10022 | $1.48B |
| Maimi Branch | Miami , FL | 33130 | $856.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2003 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 63 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Interaudi Bank
What are Interaudi Bank's total assets?
As of the Q2 2026 filing, Interaudi Bank reported total assets of $2.68 billion in its FFIEC call report.
Where is Interaudi Bank headquartered?
It is headquartered in New York, NY, United States.
When was Interaudi Bank founded?
It was established in 1983, per the FDIC institution directory.
Is Interaudi Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24516). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Interaudi Bank?
Interaudi Bank's primary federal regulator is the FDIC.
What is Interaudi Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.12% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Interaudi Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Interaudi Bank's Texas Ratio?
Its Texas Ratio is 16.05% 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.
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