BlastPoint's Banking Scorecard
International Finance Bank
Community
Specialty: Commercial
FL
FDIC cert 24823
Miami, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
International Finance Bank shows strong momentum with 1 strength and 25.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 23.22% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+25.1% YoY
+12.0% QoQ
|
+$189.1M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.2B
+15.1% YoY
+5.0% QoQ
|
+$247.2M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.4B
+27.2% YoY
+12.9% QoQ
|
+$262.8M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.30%
-6.2% YoY
-2.9% QoQ
|
+0.13% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.71%
-6.9% YoY
-1.5% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
54.91%
-0.8% YoY
+1.1% QoQ
|
-7.72% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.18%
-42.0% YoY
-8.4% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
85.66%
-9.5% YoY
-7.0% QoQ
|
+2.60% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
44.26%
-4.2% YoY
-1.5% QoQ
|
+23.22% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-46.6% YoY
-14.1% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
10.58%
-6.1% YoY
-1.6% QoQ
|
+0.34% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.40%
-23.0% YoY
+17.1% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Community
Why this stands out
Current:
44.26%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 44.26% · Tier avg: 21.05%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
73
73th pctile
Efficiency Ratio
Current: 54.91% · Tier avg: 62.63%
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.66% · Tier avg: 83.06%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.58% · Tier avg: 10.24%
Top Weaknesses
33
33th pctile
Tier 1 Capital Ratio
Current: 10.58% · Tier avg: 10.24%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.66% · Tier avg: 83.06%
54
54th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.66%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
72
72th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
73
73th pctile
Efficiency Ratio
Current: 54.91% · Tier avg: 62.63%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 44.26% · Tier avg: 21.05%