# INTER NATIONAL BANK
MCALLEN, TX · FDIC certificate 25879 · asset band $1-10B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.37B | |
| Deposits | $1.14B | |
| Loans and leases | $1.04B | |
| Total equity | $217.4M | |
| Loans / deposits | 90.47% (p49 of band) | 90.76% |
| Liquid assets / assets | 14.67% (p26 of band) | |
| Uninsured deposits / deposits | 42.37% (p82 of band) | 26.76% |
| Brokered deposits | 0.30% | |
| Wholesale funding | 0.30% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.29% (p95 of band) | 10.18% |
| Unrealized securities loss / equity | -0.96% (p82 of band) | -3.35% |
| AOCI / equity | -1.04% (p63 of band) | |
| ROA (annualized) | 1.60% (p82 of band) | 1.18% |
| Net interest margin | 5.20% (p96 of band) | 3.63% |
| Efficiency ratio | 55.47% (p29 of band) | |
| Noncurrent loans | 0.50% (p52 of band) | 0.48% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 105.18% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 79.13% (p82 of band) | |
| Auto loans | $389,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 393 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 4 | charge-offs p90 |  |
| 2012-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, charge-offs p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | uninsured deposits leaving |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits >50% |  |
| 2015-06 | 0 |  | uninsured deposits >50% |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 2 | assets shrinking |  |
| 2016-03 | 2 | uninsured deposits >50% | assets shrinking |
| 2016-06 | 2 | assets shrinking | uninsured deposits >50% |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 3 | losing money, construction >100% equity, assets shrinking | deposits shrinking |
| 2017-03 | 7 | capital falling, expense ratio p90, deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 5 | NIM <2.5%, reserve under noncurrent | losing money, capital falling, expense ratio p90, uninsured deposits leaving |
| 2017-09 | 2 |  | construction >100% equity, deposits shrinking, NIM <2.5% |
| 2017-12 | 3 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2018-03 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2018-06 | 1 |  | deposits shrinking, reserve under noncurrent |
| 2018-09 | 0 |  | assets shrinking |

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

- 2018-11-08 [Vantage Bank Texas and Inter National Bank, the Power of Being Local - Texas Border Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOC1GVktkaUdpaUEwcEZEdmdiQWhHZWdZRkYzd3BmckFTVmJNeC1wN1BpVmFQMXZSdzVnMFVOanYwak51UkwwelFJaU02OTRhNjJiNnZHTERmZ3JTTlU1ZS1zekQ3ZHFhTmN6RXZSTU5BY2U0T1NNeUlUUGcxRXJFQk84N1hnV1VlY2ZVcVZBRDBBb1lkTVBqX3NzcnVqc1hMTUE?oc=5) · Texas Border Business
- 2018-05-08 [San Antonio’s Vantage Bank poised for merger with McAllen’s Inter National Bank - mysanantonio.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNczdIdnZjemhmUWZDejJ6bFJKblpMV1N1bUNCYXEwRkZ5Yk43UnVHeWJQUlU4c0UwQk1UM1BLUC1yVVNXTDdNZVlVelRIRExMaTNnbnVEUUxKRkNSYmlGZkxTTjFQd0hFTzBzTGJuNFloaHpnTTlVNDFnM3duQV9XU3pFNldSSUdZYURVU05ycnZyZXpXZEpWeVpVNzlQSDdrNG1oZnVkdGFweWh4UWc?oc=5) · mysanantonio.com
- 2018-07-13 [Inter National Bank El Paso branches to stay after merger with San Antonio's Vantage Bank - El Paso Times](https://news.google.com/rss/articles/CBMizgFBVV95cUxPNU9PV2RoRGN1aExfVTRjVnBmd2w4SGpZNXppOEV3UXIydFFGVTNDMDZNU3VJVFJScmF6NV9ETkM3V1pEcFRRaWROQzlLSWJkSGwzZ1VneVBtcDNOMnNNbEZPOU9NQjBWN2o1cEJmMVlNSDNiRlRSdW9nSjZlLS11bnp3bVAwVGE2eGIwLUE4NGF4QlZzNmJxcmtBaFR3OFpQRzFMMWFRQV93WmZKWnN1NnNreFU1dTJsUm1TTWQ0eTgxdUN2VWEya1d3SXI1Zw?oc=5) · El Paso Times
- 2018-11-21 [San Antonio, McAllen banks complete merger - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQTEhjXzNnVWVUNENIMUJYZi1yM1VMXzZBVFJkQ3lJSjlyNkl6X0VDX19XdnZpenFhTWF4TUVQTkRCN29PMWRWQlZoUVhTSDU3TW9oUkZ0TDlodzBCa1hxa0JzMTdoZnJJazZyNTQyWmkyS0RDM3pRT2lvWkZ3YWhiVVVncTlicW5XU1ozbmpkY1VwNllKTlJ4bWx0bTM2eVY4bjNMc2NRa1E?oc=5) · San Antonio Express-News
- 2021-11-22 [Texas Court Cases Show U.S. Financial Institutions Accepted Millions Stolen From Mexico - The Texas Observer](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9LR21yekh3OHBOYld0UUUtSFBoLTc0WFVTRzFsZWNQTlpMTkpNM20wa1p6b21tM29hY2hwSzR0cm9saTNCZWtaQTBqeTlVeXg2RjhwZXNfT1JWVEFnMGg1NDlpeVVjUQ?oc=5) · The Texas Observer
- 2017-04-02 [Collins family completes purchase of Inter National Bank - MyRGV.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMnlKdUY5QXNmME9CTkhiSEFNRlNjek5iUGVjcDRxeFFQNktkRVZXRG1ZZThoejdQZ3g4ZkhndUZDRXZnUExtZjZqNDdyMDB5VEkycmEtWHdqeEFiLVo3VS0yWXhLcDhKTmNzTU1CVElsaDlIYXFQR21Hdy1Pckc5b1h4MWs1OTBDcFY1LUZ3dXJwVm1MMy1vUW1sZTZUWGV1Z3c?oc=5) · MyRGV.com
- 2016-02-22 [Inter National Bank, Banking the Right Way - Texas Border Business](https://news.google.com/rss/articles/CBMif0FVX3lxTE5VYVl4ZDhOakVfcG53Q0JTV0FLeHB4Z0wyTGM4NnZIeUtBeFJPM1pILXZFQWlBdjdYMnJPRzljZTJRRldjX2FPdUdMTlJ1V0d2d3BPWHhZa1I0N0JZa213MUE1RWdnZmxyZkxKbURFS3ZUMlFZaHBkRWJHbU9tM2M?oc=5) · Texas Border Business
- 2018-07-11 [Vantage Bank, Inter National Bank announce merger - San Antonio Express-News](https://news.google.com/rss/articles/CBMisgFBVV95cUxQa0h2R25FdDQtOUI0MzVEVEY4MkRxZUEyN3JQVGVzVHlZWjZfc0xlRkVBMFZ1RkRXQW9raEoxUXBfZXkzOHVjQllmTHVBMUg0ejQ0NE1wd0FDTUdlbjJnN1hvSWEwNlpCSW0wazVLVWNoa1h2bXUwa2JBVlRZSDdURGQ2X3BFUk9LNW8yaHJ2RkE4TW1hTkw4Si03WDk4eUYzbXBTeElKemd5U21yZkVQMnN3?oc=5) · San Antonio Express-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25879 (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/23.json (key "25879", 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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