FDIC Cert #25258 · Coral Gables, Florida · Est. 1984

Intercredit Bank, National Association - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.6B
Total assets
C
Health grade · Fair
-0.80%
Return on assets
14.7%
Tier 1 capital

Data updated July 2026

The verdict

Intercredit Bank, National Association earns a PlainBankData health grade of C (55/100), with well-capitalized at 14.72% Tier 1, -0.80% ROA, 138% efficiency ratio.

#693
largest of 4,313 FDIC banks by assets
84th
percentile by asset size, nationally
14.72%
Tier 1 ratio - above the 10% well-capitalized line
2nd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 25258 · FL C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4006/4307
  • PHOTO-FINISH Community Bank · OK
  • TIER1-WELL 14.7% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-LOSS -0.80% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Community Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Intercredit Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/10042 North Private Bank · MA ·…55/100Community Bank · OK · near55/100Intercredit Bank, Na… · FL ·…55/100OneUnited Bank · MA · near55/100United Orient Bank · NY · ne…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Intercredit Bank · July 2026

Call Report read for Intercredit Bank in a high-failure state

Intercredit Bank, National Association (FDIC Cert #25258) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,006 of 4,307. Tier 1 capital prints at 14.72%, clearing the 10% well-capitalized line. The Texas Ratio is 0.47%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.80%. Balance-sheet scale is $1.6B, 693rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Intercredit Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Intercredit Bank, National Association sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Intercredit Bank, National Association's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Intercredit Bank, National Association's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Intercredit Bank, National Association's composite health score
Tier 1 Capital Ratio (14.72%) 35/40
Return on Assets (ROA) (-0.80%) 0/25
Texas Ratio (0.47%) 20/20
Efficiency Ratio (138.20%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.6B

Total balance-sheet footings

Total Deposits

$1.4B

Customer-funded liabilities

Net Loans

$841M

Outstanding loan book

Net Income

$-10,429K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.32% 14.72% 16.12%
Basel III capital ratios - Intercredit Bank, National Association

Where Intercredit Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Intercredit Bank, National Association's score of 55/100 falls in the highlighted band.

Intercredit Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Intercredit Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Intercredit Bank, National Association'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). Intercredit Bank, National Association's $1.6B falls in the highlighted band.

Capital & credit buffers at Intercredit Bank

Tier 1 capital ratio
Well-capitalized 10%

14.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.72%
Texas Ratio
0.47%
Equity Capital
$144M

What these ratios mean →

Profitability metrics: Intercredit Bank

Return on Assets (ROA)
2nd percentile nationally
-0.80%
Return on Equity (ROE)
-8.93%
Efficiency Ratio
138.20%

What these mean →

Income & expense: loss period at Intercredit Bank

$71M
Interest Income
$231K
Non-Interest Income
$37M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Intercredit Bank, National Association reports a Texas Ratio of 0.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Intercredit Bank, National Association

Intercredit Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-10,429K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Intercredit Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Intercredit Bank, National Association on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.6B here), outside Florida so the neighborhood is not state containment.

Northfield Savings Bank $1.6B · VT Meredith Village Savings Bank $1.6B · NH Old Dominion National Bank $1.6B · VA Lawrence Bank $1.6B · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Intercredit Bank, National Association (FDIC Cert #25258) - 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.

Intercredit Bank, National Association Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
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%