# INTERVEST NATIONAL BANK
NEW YORK, NY · FDIC certificate 35011 · asset band $1-10B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.46B | |
| Deposits | $1.20B | |
| Loans and leases | $1.13B | |
| Total equity | $257.6M | |
| Loans / deposits | 92.19% (p66 of band) | 84.90% |
| Liquid assets / assets | 21.92% (p42 of band) | |
| Uninsured deposits / deposits | 3.79% (p5 of band) | 24.14% |
| Brokered deposits | 4.65% | |
| Wholesale funding | 4.65% (p30 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.36% (p96 of band) | 9.76% |
| Unrealized securities loss / equity | -0.39% (p14 of band) | 0.91% |
| AOCI / equity | -0.21% (p12 of band) | |
| ROA (annualized) | 1.31% (p82 of band) | 0.93% |
| Net interest margin | 3.26% (p31 of band) | 3.54% |
| Efficiency ratio | 35.23% (p4 of band) | |
| Noncurrent loans | 2.51% (p91 of band) | 0.82% |
| Net charge-offs (annualized) | 0.01% (p23 of band) | |
| Reserve coverage of noncurrent | 88.68% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 3.81% (p12 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -8.4% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | NIM <2.5% |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 5 | capital falling, noncurrent p90 |  |
| 2013-12 | 3 |  | capital falling, noncurrent p90 |
| 2014-03 | 2 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 4 | noncurrent p90, reserve under noncurrent, assets shrinking |  |

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

- 2022-11-30 [Lender Seeks To Foreclose On 10-Story Union Square Office Building - Bisnow](https://news.google.com/rss/articles/CBMitAFBVV95cUxOdWRMdzlBME04MnozZzFiTjRzcHJwekVLQWRpZmk4aUptbHlVOTFYMmFKd3ZvM1BJTDF6eU15dEtZaDJJTDB5V0RDV1ZBLWU3TlJkb0dhNGF4QW45QVVMX3I4b0E3SmVnam1nN1Q2Yi1BeFk2M0FQdEZ5Ui1adUlFTFl3RzlZSXA3RXB4aWRqdGFpNGtBNlVjajZMMmNzY2VHbHduNXVCUThhYk1ZSGo4NVdOTkY?oc=5) · Bisnow
- 2014-05-16 [Kingston Park Apartments sold for $7 million - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTW5Gb1hPQ2VsNXNhblB4dmhXSl9Bd3NaZ29Ga0VLVmMtai15SmxnVDlUWUlXa2VTRjdpX1J4UWx4RTJxM3VwaU45OVprX0ozVzZDcWtIRE56WV8zRGdmQjJ0XzEtY0JUWDMzYV83MWNRRjh2Y01va0RUOURTUVQ4R2dkbW9xNmJSS3VRcUdKLUhzWXNVZnQ4SzFtV2NrYi1QemhQNTJn?oc=5) · The Business Journals
- 2014-05-16 [Underhills purchase former Americana Apartments for $7 million - The Courier-Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNd1lTRURhZzhQN2ZtTl9NWDQwcVVyaWJYTEM0eFlsS2pSNE1iMWlJcDNnZHNnYklWOE9rTFVaM2dXTUo4OERWY1R4ZGVxWHVZT0pJNUhNMnpmQmdLZE9majNCUV9uTUpCanh2U3dFLUNISFZ5M005T3dJUG1oZm5wNnBZaGhybFN3YWxLY2hjeDRMMUQ3WGZQakNpd2ZYY1l3bnRsUE12d3V1eHRqSFgyZzBnVE0yM0tDZkd2T0gxTTR6Zw?oc=5) · The Courier-Journal
- 2015-05-14 [Former Americana's makeover begins - The Courier-Journal](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOSmUxWDVnSnlGZ1dUVUhoR2lDZnZVSURuZnBUaUFlUExJbUUzcmhCUzE3eGIxNm1VX3dxc3daU3Roamw0TTlwY3NDQ1ZqeDFfX0FrNUlmTEwwZnBWeTFncFhhQmRibV82cXJvRWZLT2tSVU45TFNSREFqQjRaZGFRN2sxNXdmOU1hWVItOWx6czJTLWN5SEtCb01WUEgzNFpVakVjcFVuWlRZVFV2NkNqWVhEUmZmQzBu?oc=5) · The Courier-Journal
- 2015-05-27 [Miami Gardens office buildings sold for $12.6M, half off previous deal - The Business Journals](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQeGJRVGVFRGt0b2MyLS1VR3I3T0Q0S2Q2WWNJM3F3N19VRmxscHRUdGpZUHRNd3lTaTktVUlteTJ2UTZubW5mc3lUdnhnbllicFNidzg4TURWdXVJY05UXzRLbVlfaVhPTi01RVVJNVdqb3RLX2Z3NjFVVWpqY09QXzY2RHdLYU5uYjFnTFZraTZSbUtGd1N5enFBbVpuVUY1UkczV0ZQblZRTmF3LWNXWDZBVllITTVPM0ZNY1R2Tk5Dd1U?oc=5) · The Business Journals
- 2014-04-16 [Developer agrees to buy former Americana Apartments - The Courier-Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOM2lSaEthOGlZWTYyNVRUUGYtTU1zREp0eVIwZ0JXOGRXTTJkX09jemNGN0xWNkVwR1dWVjlpelpWY1I1bmUwTE1XeTFtQXRYdnFvcHFib3JROWoxWjQ2eG1waS1TZ2dtODlDQ2lUZ1pVWWdBaVdjZnkyb0RNRHluREZOUV9XZXo1Wjhhb1lZZ1RfcU9zZkNIU1lhN0hybGlGcDJ6d3M4cG5kbERQVWxuWGdkeHVEWXdnRjZsZ3V4MGQ?oc=5) · The Courier-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35011 (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/3.json (key "35011", 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