# INTERNATIONAL FINANCE BANK
MIAMI, FL · FDIC certificate 24823 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.62B | |
| Deposits | $1.46B | |
| Loans and leases | $1.33B | |
| Total equity | $132.2M | |
| Loans / deposits | 90.45% (p61 of band) | 87.10% |
| Liquid assets / assets | 16.18% (p28 of band) | |
| Uninsured deposits / deposits | 15.28% (p10 of band) | 30.76% |
| Brokered deposits | 3.55% | |
| Wholesale funding | 3.55% (p39 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.31% (p4 of band) | 10.50% |
| Unrealized securities loss / equity | -3.27% (p73 of band) | -7.75% |
| AOCI / equity | 0.00% (p74 of band) | |
| ROA (annualized) | 1.20% (p46 of band) | 1.26% |
| Net interest margin | 3.53% (p38 of band) | 3.70% |
| Efficiency ratio | 52.84% (p32 of band) | |
| Noncurrent loans | 0.30% (p33 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 416.57% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 35.02% (p36 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $41.0M (31% of equity) (p95 of band) | |
| Deposits YoY | 16.2% | |
| Employees | 137 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | noncurrent p90 |  |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <7%, losing money, charge-offs p90, capital falling |
| 2012-06 | 6 | charge-offs p90 |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 5 |  | assets shrinking |
| 2013-03 | 5 | expense ratio p90, assets shrinking | uninsured deposits leaving, charge-offs p90 |
| 2013-06 | 5 |  |  |
| 2013-09 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2013-12 | 5 | charge-offs p90 |  |
| 2014-03 | 3 |  | capital falling, charge-offs p90 |
| 2014-06 | 3 | charge-offs p90 | expense ratio p90 |
| 2014-09 | 4 | expense ratio p90 |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 3 |  | charge-offs p90 |
| 2015-06 | 5 | losing money, uninsured deposits leaving |  |
| 2015-09 | 4 |  | uninsured deposits leaving |
| 2015-12 | 4 | capital falling, noncurrent p90 | deposits shrinking, assets shrinking |
| 2016-03 | 4 |  |  |
| 2016-06 | 2 |  | losing money, noncurrent p90 |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2018-12 | 2 | leverage <7% | loans exceed deposits, wholesale funding >15% |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | leverage <7% |
| 2020-09 | 1 | leverage <7% |  |
| 2020-12 | 1 | charge-offs p90 | leverage <7% |
| 2021-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | reserve under noncurrent, capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 0 |  | uninsured deposits leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | charge-offs p90 |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 1 | capital falling |  |

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

- 2026-06-17 [International Finance Bank’s Abel Iglesias on the importance of community banking - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNMTM4dGo1MVo0aHRvQzcxNkxsRzVUdHBOTDBTS2NlbWZ5SjdoWEQ1bjIwU0YzZ0JFRXV3bmMxZGFBY1Bjc3JiM0tCdUlsSXI5TWdlX3lEVXNEQm9YQVI5T1R3LXVBbWtMVHlYeEw2V05keGpjTGJuNDJrc2R5ZWthdFI3TjhOSGpuYWRGZmhHd0pZTElYc2ViSTZsQmZzQ2d3VG1zcjVWaW1vU0pzNWhJ?oc=5) · The Business Journals
- 2025-10-01 [New C-suite elevates customer outcomes for this community bank - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOWXg0UVh1Tk16YVBwMXdPaVlnLU1ub204cHVpNU1GLTViVVB5VV9McFpZNHJOTm5OeDJDXy1VaUdNenJVQ0VpMG9qWnhNckJFMl96OHNCMER1QmV4YWRHQW9NRDhpX1RsZGZQZ1RtOVdQVTZJRV82bkhVek0zQTFUQ3pjZzZaWEo2YU1vZmJIcEV3NUZTMl92Z0NtTUdFSW5ldmRZRzBXM0RGT3lWUDdVVTdR?oc=5) · The Business Journals
- 2018-10-24 [IFB Bank Acquires an International Portfolio from Modern Bank, N.A. - communitynewspapers.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOZDhCb1ZydmxSVnVlNW5VMnZCY3NkRi1INjFXOXphbktzaXNETXdvNTNua2JqYmx5ZU9VNFZjUTF2M0JZRnVzZmllVlcwemVjVW9IcXFObV9SdWNHQXE4VHhwdVJJSnNkNGhzdXduQktCejVPS2d0NmJsX1RKNmpiZkpqNmEzMWxfaEpCZVRXRGNTbjdJTkNIbWkxSUdjbFA5MHFOZjROMkNlalJiWXgxWA?oc=5) · communitynewspapers.com
- 2019-01-15 [Jose Cueto: CEO expanding International Finance Bank’s footprint - Miami Today](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPS0xEM21zcUNLeUlXeWptaWYybVQ5QTZLNHk0cVlGNC1qVjhXR2kxc3FXc2NpM09UdHdKZVpFMzFXcHBkQ3ZFdG5fdFh6VEpGd1N0Sm02ejZtS2dWT3ZmRTZpZDJSM3NQR1ZuS1RkdjZWaUVoeFlBSTEwLXVSbUpSeXNHTkdMMlZhRzF2WXJvWnlod051ZHFRV0tYZ0gwNXg4cmx2VWExcU0?oc=5) · Miami Today
- 2024-05-26 [Coral Gables community bank names new CEO, president - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxNRlQyNFhhb09qTEZ6RUJ1b0E5Y2gyLWREdkhiWHJUbXpjdUQ1OVZSdTFZUkZBWnNGN1NSWjJ5cnpwLVR4bzIyZXBYbV9uQ1lLOWZ2cWZZVjl2TjJGQTdWcTJRdk1LWFFDOUVpSU9pZmtaSWNOU2ZBZERMRWZjd3k5M09BUE9kVTZfR01RM2FoNTQzQU9xOXpScUtEeFE3LXZtOS1uWWRfV0Rvb1lSVzdZeEVB?oc=5) · The Business Journals
- 2024-09-13 [Miami-based Niagara Industries achieves growth with the help of International Finance Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNN016WHJrdl9rWHRWZzRFd2VMSFZBaEJJbWlsd19xTi0tcHQ2UVI3LUUyVXl0QTZZWnBtZVVEU2xOVUpLdko2NlI0RFRycEFoaUs1N3JSV3pNQkxFeXVmM1FuXzV2TW5UWHRMeDQtbWpsU0VfMjJpMzkyeEdKRnJfa0RjWHl0c3hMOEV1dDBlbUxjRGRaVDlMNnJiLUlZNDRzTWV0ellnVGJ4b2s?oc=5) · The Business Journals
- 2024-02-05 [Exclusive: Citi partners with local community bank on minority depository institution investments - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNRjc3QnJfTTIzUlBvanhiNHMxX0hQeW1vNFl3NVpkM29FZlkwSUZCbTU3UzZ6VFNkMkx2X0JsTHlRYWNKQ0lVT0ZYQVhwTEZVU000cmtyU1Q0T1lPNDdybkN6dlQwRVJJNzRQc3Y0RlBOdFlfbDF3Y2ZjeHEwWFF3UENiUWFjTnNiZkp3X21xRGVxc2FDRzAta1hObHdPaVpab0VWWQ?oc=5) · The Business Journals
- 2024-05-14 [International Finance Bank names new CEO, president - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxPQUxRU1czMGpwZWRJNkppOXg2N0o3MTRkcWhtM3dLSkV0dktCSDFjOUMzdjljTGpRWUkwQ0NtS3RmenBQN2ktWk1aRVlKd1JhemVPa1pBQ3MtUVFXTnNQX3pjUF82UWRMS293eHBNU0l5YnpUTVNrYjdMN0VLUVJOdW16S3Z5bUZ5SmNJX3FWSlRQT3piOVd5NEROVi16YnZNR2tHdWhnZ05LTS11UzUwLVV3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24823 (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/55.json (key "24823", 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.

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