Total Assets
$320M
Total balance-sheet footings
FDIC Cert #31823 · Miami, Florida · Est. 1976
Interamerican Bank, A FSB - FDIC Bank Health Profile
A community-scale look at Interamerican Bank, A FSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $320M
- Total assets
- B
- Health grade · Good
- 0.70%
- Return on assets
- 18.6%
- Tier 1 capital
Data updated July 2026
The verdict
Interamerican Bank, A FSB earns a PlainBankData health grade of B (78/100), with well-capitalized at 18.61% Tier 1, 0.70% ROA, 80% efficiency ratio.
- #2,398
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 18.61%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Interamerican Bank, A FSB's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Interamerican Bank, A FSB's composite health score
Tier 1 Capital Ratio (18.61%) 40/40
Return on Assets (ROA) (0.70%) 14/25
Texas Ratio (1.86%) 20/20
Efficiency Ratio (80.00%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$267M
Customer-funded liabilities
Net Loans
$221M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Interamerican Bank, A FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Interamerican Bank, A FSB's score of 78/100 falls in the highlighted band.
Interamerican Bank, A FSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Interamerican Bank, A FSB's $320M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.61%
Texas Ratio
1.86%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.70%
Return on Equity (ROE)
5.43%
Efficiency Ratio
80.00%
What the numbers say about Interamerican Bank, A FSB
Interamerican Bank, A FSB is an FDIC-insured institution (Certificate #31823) headquartered in Miami, Florida, established in 1976. It holds $320M in total assets - 2,398th of 4,313 FDIC-insured banks, $267M in customer deposits, and $221M in net loans. On safety, its Tier 1 capital ratio of 18.61% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.86% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, Interamerican Bank, A FSB ranks 59th of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$918K
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Interamerican Bank, A FSB reports a Texas Ratio of 1.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Interamerican Bank, A FSB (FDIC Cert #31823) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Interamerican Bank, A FSB's health grade?▼
Interamerican Bank, A FSB receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Interamerican Bank, A FSB?▼
Interamerican Bank, A FSB holds $320M in total assets and $267M in deposits, ranking 2,398th of 4,313 FDIC-insured banks by asset size. It is headquartered in Miami, Florida.
Is my money safe at Interamerican Bank, A FSB?▼
Yes, deposits at Interamerican Bank, A FSB (Certificate #31823) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Interamerican Bank, A FSB's Tier 1 Capital Ratio?▼
Interamerican Bank, A FSB has a Tier 1 Capital Ratio of 18.61%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Interamerican Bank, A FSB?▼
Interamerican Bank, A FSB has a Texas Ratio of 1.86%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Interamerican Bank, A FSB?▼
Interamerican Bank, A FSB has an Efficiency Ratio of 80.00%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Interamerican Bank, A FSB's profile as a depositor or analyst.
- Interamerican Bank, A FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Interamerican Bank, A FSB against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.