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International Finance Bank
Miami, FL · FDIC Certificate #24823 · Chartered 11/3
Total assets
$1.62B
Total deposits
$1.46B
Total equity
$132.19M
Net loans
$1.32B
Branches (offices)
3
Net income (YTD)
$9.56M
Rank: #694 of 4,213 U.S. banks by assets · #22 of 81 in Florida. Assets changed 17.3% and deposits 16.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 14.85% |
| Net interest margin (YTD) | 3.53% |
| Equity to assets | 8.17% |
| Tier 1 leverage ratio | 8.31% |
| Uninsured deposits (share of deposits) | 15.3% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.4% |
| Real estate loans (share of loans) | 70.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $925.20M | 70.2% | |
| Commercial & industrial | $283.27M | 21.5% | |
| Consumer / individual | $86.15M | 6.5% | |
| Construction & development | $46.30M | 3.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $960.94M | $882.73M | $4.02M | $76.25M |
| Jun 2023 | $997.72M | $897.60M | $9.16M | $91.76M |
| Jun 2024 | $1.11B | $998.01M | $7.33M | $105.62M |
| Jun 2025 | $1.38B | $1.25B | $8.68M | $116.65M |
| Jun 2026 | $1.62B | $1.46B | $9.56M | $132.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.32B | 2 |
| New York | $136.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.46B.
Similar-sized banks
Ffb Bank ($1.62B) · The Citizens Bank ($1.62B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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