International Finance Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.54 percentage points higher than in Q1 2026, at 446.42%. International Finance Bank ranks 19th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 91.59% (Q2 2026). International Finance Bank reported 91.59% on loan-to-deposit ratio for Q2 2026, 3.39 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.33B |
| Net loans and leases | $1.32B |
| Loans held for sale | $0 |
| Loans to total assets | 82.54% |
| Loan-to-deposit ratio | 91.59% |
| Net loans to equity capital | 9.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.59% |
| Multifamily (5+ residential) | 15.87% |
| Commercial and industrial | 21.21% |
| Consumer | 6.45% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 446.42% |
| Construction concentration (Tier 1 capital + allowance) | 30.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.76% |
| Interest income on loans | $18.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $871.9M | $912.4M | 30.51% | 27.96% | 6.12% |
| Q4 2023 | $874.0M | $943.1M | 31.63% | 28.08% | 4.84% |
| Q1 2024 | $906.6M | $991.6M | 31.77% | 27.96% | 5.31% |
| Q2 2024 | $943.9M | $998.0M | 31.27% | 29.00% | 5.40% |
| Q3 2024 | $1.01B | $1.06B | 31.38% | 28.39% | 5.69% |
| Q4 2024 | $1.08B | $1.12B | 32.06% | 27.70% | 5.49% |
| Q1 2025 | $1.10B | $1.24B | 32.47% | 28.20% | 5.80% |
| Q2 2025 | $1.14B | $1.25B | 34.21% | 26.71% | 6.12% |
| Q3 2025 | $1.18B | $1.26B | 34.46% | 25.71% | 6.39% |
| Q4 2025 | $1.24B | $1.43B | 35.81% | 22.76% | 6.85% |
| Q1 2026 | $1.28B | $1.41B | 36.00% | 21.32% | 6.83% |
| Q2 2026 | $1.33B | $1.46B | 36.59% | 21.21% | 6.45% |
International Finance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock International Finance Bank, freeSource: Call Report Schedule RC-C, 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 International Finance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24823) · FFIEC NIC profile (RSSD 867632)