International Finance Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks International Finance Bank of Miami, FL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.46% | -0.28% | 42nd below |
| ROAE | 14.42% | 12.71% | +1.71% | 67th above |
| Net Interest Margin | 3.51% | 3.85% | -0.34% | 36th below |
| Efficiency Ratio | 53.98% | 57.41% | -3.43% | 63rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.76% | 1.88% | -0.12% | 53rd above |
| Yield on Earning Assets | 5.39% | 5.72% | -0.33% | 41st below |
| Cost of Funds | 2.07% | 2.02% | +0.05% | 46th below |
| Net Interest Spread | 1.86% | 3.18% | -1.32% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.29% | 1.00% | -0.71% | 74th above |
| NPA / Total Assets | 0.24% | 0.76% | -0.52% | 72nd above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 64th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.31% | -0.06% | 64th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 433.48% | 543.42% | -109.94% | 79th top |
| Texas Ratio | 2.69% | 7.39% | -4.70% | 69th above |
| Provision / NCO | 5230.43% | 615.19% | +4615.24% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.25% | 17.34% | -7.09% | 3rd bottom |
| Tier 1 Ratio | 10.25% | 17.37% | -7.12% | 3rd bottom |
| Total Capital Ratio | 11.50% | 18.42% | -6.92% | 4th bottom |
| Leverage Ratio | 8.31% | 11.44% | -3.13% | 4th bottom |
| Equity / Assets | 8.17% | 11.34% | -3.17% | 9th bottom |
| TCE / Tangible Assets | 8.15% | 10.50% | -2.35% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.59% | 86.95% | +4.64% | 39th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.51% | 85.55% | +1.96% | 44th below |
| Uninsured Deposit Ratio | 15.28% | 33.13% | -17.85% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.32% | 9.68% | +7.64% | 89th top |
| Loan Growth (Y/Y) | 17.16% | 8.05% | +9.11% | 90th top |
| Deposit Growth (Y/Y) | 16.22% | 7.86% | +8.36% | 87th top |
See International Finance Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock International Finance Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full International Finance Bank profile, how to read a UBPR, or how this data updates.