BlastPoint's Banking Scorecard
Interaudi Bank
Community
Specialty: Commercial
NY
FDIC cert 24516
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Interaudi Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.88% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.95% above tier
- - Nonperforming Asset Ratio 1.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+6.8% YoY
+5.0% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$1.5B
+10.3% YoY
+3.9% QoQ
|
+$547.3M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$2.3B
+9.9% YoY
+5.6% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.12%
-2.5% YoY
+1.6% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.00%
+6.9% YoY
-0.2% QoQ
|
-0.67% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
54.94%
+4.2% YoY
-1.3% QoQ
|
-7.70% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
2.58%
-1.0% YoY
+7.3% QoQ
|
+1.95% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
66.24%
+0.4% YoY
-1.6% QoQ
|
-16.82% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
33.30%
-1.7% YoY
+1.3% QoQ
|
+12.25% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
1.74%
+13.7% YoY
+4.5% QoQ
|
+1.24% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
19.12%
-1.8% YoY
-0.6% QoQ
|
+8.88% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.58%
-17.5% YoY
+27.4% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
19.12%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.74%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Tier 1 Capital Ratio
Current: 19.12% · Tier avg: 10.24%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.30% · Tier avg: 21.05%
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.24% · Tier avg: 83.06%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
73
73th pctile
Efficiency Ratio
Current: 54.94% · Tier avg: 62.63%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
50
50th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
18
18th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.66%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
18
18th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.66%
50
50th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
73
73th pctile
Efficiency Ratio
Current: 54.94% · Tier avg: 62.63%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.24% · Tier avg: 83.06%
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.30% · Tier avg: 21.05%
91
91th pctile
Tier 1 Capital Ratio
Current: 19.12% · Tier avg: 10.24%