# INTERAUDI BANK
NEW YORK, NY · FDIC certificate 24516 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.68B | |
| Deposits | $2.34B | |
| Loans and leases | $1.64B | |
| Total equity | $270.9M | |
| Loans / deposits | 69.60% (p16 of band) | 87.10% |
| Liquid assets / assets | 36.78% (p87 of band) | |
| Uninsured deposits / deposits | 57.15% (p95 of band) | 30.76% |
| Brokered deposits | 0.63% | |
| Wholesale funding | 1.72% (p27 of band) | |
| FHLB advances / assets | 1.09% | |
| Tier 1 leverage | 10.02% (p38 of band) | 10.50% |
| Unrealized securities loss / equity | -3.57% (p71 of band) | -7.75% |
| AOCI / equity | -0.36% (p46 of band) | |
| ROA (annualized) | 1.24% (p48 of band) | 1.26% |
| Net interest margin | 3.14% (p21 of band) | 3.70% |
| Efficiency ratio | 53.77% (p35 of band) | |
| Noncurrent loans | 2.36% (p93 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 25.88% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 22.95% (p20 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $58.7M (22% of equity) (p92 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 156 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | uninsured deposits >50%, leverage <7% |  |
| 2014-09 | 5 | reserve under noncurrent |  |
| 2014-12 | 4 |  | reserve under noncurrent |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 | reserve under noncurrent | capital falling |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 6 | capital falling, noncurrent p90 |  |
| 2016-06 | 5 |  | capital falling |
| 2016-09 | 4 |  | leverage <7% |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | deposits shrinking, assets shrinking |  |
| 2017-06 | 2 |  | NIM <2.5%, noncurrent p90, deposits shrinking, assets shrinking |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | capital falling | reserve under noncurrent |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | NIM <2.5% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | reserve under noncurrent |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | reserve under noncurrent |
| 2022-09 | 3 | reserve under noncurrent | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | noncurrent p90 | NIM <2.5% |
| 2023-06 | 4 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 2 |  | deposits shrinking, assets shrinking |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 3 | noncurrent p90 | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 3 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-11-19 [Jean-Marc Saleh, Fidelity Bank - The Business Journals](https://news.google.com/rss/articles/CBMivwFBVV95cUxNcUlfcm1oUkhlYTNnNkZiWDdhVWhGQnpfM1BKU1dEYVl1QmVxaDVFUjJ3SkszQnVpY2JadzVTRjk5ejBpZWg2QVVudFNFQlpVeGxyUEZPODJObXlnWlQxVVk3S1B5NTRiVE5nRV9XeE0yX0pCZGtpYmJTTVFWZ2o1NDNwNW1Nd2VnaGNrSmxJbEFReVY1R3dZUTNoYlQwa2VrMlFZX2xkYzl3MGh3NzlOMU9GaVlLa0hCT3BxdEhWdw?oc=5) · The Business Journals
- 2026-02-12 [MG Developer Secures $23 Million Refinancing for Regency Miami Airport by Sonesta at 1000 NW 42nd Avenue - Florida YIMBY](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPc3RfeGJ1VG1Xck5yYS0xZWh6a05EVVh5eFowWXNESTVWRkRaZWd2b2xKSnM5RGZOTHN4TE5ZU0stb3h4UC1QUi1SWGg0b1AyXzkxQnBCdTRJdlFudHIwbU42dVpqYWJhckJBWWRZblJ2c2JNRllxTG5XV3JuZFVuT0pyb1k1LXpCN2ctVGpKSFlMVjJRTEZaMEZEa1NJdmMwNUxBNjhicTJrYThDLUYyNFhSanI0Q1hvczZDUTVrRWZXTkRFZXFDZUxJOVhJb1BzQWFSazFOWU0?oc=5) · Florida YIMBY
- 2018-05-18 [Interaudi Bank Provides $35M Construction Loan for UES Luxury Condo Building - Commercial Observer](https://news.google.com/rss/articles/CBMitgFBVV95cUxPQkw0aERhYzZHUUxZcTZZR29kSDRGZENmMno0TkFobmhKVU9NeS0wMDBqdmk2T2NPeU5xZHhyeGxXcTBFbjhqbGdkamoyUlJ0UF95OU55ZU5EekpRUm44VFFrMEEtQ3VkMkZZNm53MGhoQ29GbTZuVGREZGE3a2NFU2IxYjFIN3hhY1YwTEp1X2lYZzA0N3JMazlBOTdpNVdoYTR4Z3FHNFRiLTltUG4yc29tMllPdw?oc=5) · Commercial Observer
- 2022-08-23 [Joel Schreiber’s Billionaires’ Row apartment faces tax foreclosure - The Real Deal](https://news.google.com/rss/articles/CBMirgFBVV95cUxOVU13SFJOdnJFSmpGWDR2Vlcwa1ViWWZlU0FJVHFITFZlT19vNVAxclNUMngyNWlhTWJTX0VhcnZIV1hVbUMyWFNwQ1ZDTXZnWDN2aXB3Q204REdvTzhKRlJaaGZrRnU1N3BXbHBRUmtocUpmdUxqUzNqTGZvNTJkSm5uMjhVSEdLSlJQYU8xeTNtRlJSYW5sYloyRm9wVDZOampCWG5NUWNsSGJoQ1E?oc=5) · The Real Deal
- 2026-02-14 [MG Developer Secures $23M in Refinancing for 176-key Regency Miami Airport by Sonesta - RESIDENT™ | A Luxury Lifestyle Magazine](https://news.google.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?oc=5) · RESIDENT™ | A Luxury Lifestyle Magazine
- 2023-03-20 [From banking to Broadway: Brooklyn-born Linedy Genao breaks ground in ‘Bad Cinderella’ - New York Daily News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPVHpud3hWLU9NbWlOc3Y4eUZDN09rRFhwOWpycjNnQ3B5OXFwMkFZcktIRU11X0diRFFONFVKY09YakJsSXU0alJ0b1dZWGQzQi13aG9DbmNWUVRBLUx4SHc4LVVVZGNNdE9RMmR5ZkhaV0tBV3lvSk9NcnI5U2JRLWlnUnYtcHBNcTZ6VVNDOHlMSm8tdGtpZ0pOc3RNRk5VUmZBdmV1Ml9yWE5nWDZudy1vRTVjSEZEX3RKZFBpaEQ?oc=5) · New York Daily News
- 2018-11-07 [DENNIS BUCHERT Obituary (2018) - Newark, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPejJickFUVGZjWU5fcE43d3BlNk56dnRSbHVPTk1aWVY1TXc1ekgzZzhhaTZtNUtLMEx5cDZ6aWJqaWsyMW5wVWNlSWtjMlhlNWZ4VnNORGhKMHliaVRzVWRQSVNIeF80eU9jYW1ZT01iWmhZLXJKUWE3ZmtNVEh6bnZTbFdiN005ZktCNWt3?oc=5) · obits.nj.com
- 2024-06-18 [Gourmet Home Products Buys Midtown Building for $31M - Connect CRE](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVEtoWmlXRDlUSUVHcXlERXlUcWZiN1BmZV9xZGZGSEI3TzZHcmQ1NHhSSndINUd3bTFCdy1VS3FRQ1Y0Zi1FYXl4VmZYQU5YaURVQm0wTnNYVmdjbzktN2ZDLVZBbkZUWE9GWVpDYlBkLUVqaHJpRFlYNXdQZWh3WkM1X01yU0FIVHlvME02OV8?oc=5) · Connect CRE

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24516 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "24516", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide