# INTERCONTINENTAL BANK
WEST MIAMI, FL · FDIC certificate 57214 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $153.3M | |
| Deposits | $132.4M | |
| Loans and leases | $79.6M | |
| Total equity | $20.0M | |
| Loans / deposits | 59.68% (p25 of band) | 76.78% |
| Liquid assets / assets | 45.81% (p77 of band) | |
| Uninsured deposits / deposits | 41.54% (p97 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.39% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.30% (p73 of band) | 11.19% |
| Unrealized securities loss / equity | -5.87% (p23 of band) | -2.38% |
| AOCI / equity | -2.20% (p34 of band) | |
| ROA (annualized) | 0.46% (p17 of band) | 1.00% |
| Net interest margin | 2.59% (p6 of band) | 3.78% |
| Efficiency ratio | 76.78% (p69 of band) | |
| Noncurrent loans | 0.15% (p28 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | 467.52% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $190,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 1995-06-27 [COMPANY NEWS; NATIONSBANK TO BUY FLORIDA'S INTERCONTINENTAL BANK (Published 1995) - The New York Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxPWUdKZXhPRnFlTFJYd0tMdlFLQ2RWRzdlY182aE9YY1BUaW4tVEc1Vi1Obno5TFNFS2MtTWRMQ2Y3VnZEVktXQWl0bVcxUnVoZWpNMEYyeXd4dzMwYnkzb2FEdXdzYnM1NERianVpeUxiRnhadllWel84NUR0dWFhRFFpNWZDZzVNWnVPd3p5dEFPbGJha2ppdnYwMXBjbTItOUxJSHl0MEJiMWdEdGZuNmFn?oc=5) · The New York Times
- 2018-04-06 [Sunstate Bank agrees to acquire Intercontinental Bank for $29 M - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNMzFEZHoyVDNFbWxyOVVJSC1yMWpzdjQtckt6TFUweWpQQTRKODdFdlZDalRRSG00OWRaN2JRQ29LaTRoV204dkpxWm1iUnc3OXYxQk9TcmFiaXFJZTRpQXdFR1JrNFczZE1ZUUFuZ3UtUlJDSU5rbnozdElxSW5WN05KdmxyZlRvU3JYTWtON3dxQjdZTHJqTHRra25jNVlpbnduRFlpOVZFNGNxZXRv?oc=5) · The Business Journals
- 2014-03-10 [18 banks get top ratings from BauerFinancial; four get lowest ratings - Miami Herald](https://news.google.com/rss/articles/CBMiYkFVX3lxTE8zaExhYWthM0plR2xPUmZZalM1RkhWWW1UZkJSZ2tZdnpNOW04dk1BeElYRE1RRGtKLVZVczNsVG5nLWhWT3BDSmtxdmh5YUFwZnlLMUF0RG5VV0gwUE11Ynpn0gFiQVVfeXFMTnc3eGdyV2JwQzlNd3VBaEFKcUpVTTlxTGpQX3hoeDBKYXpqTlVDRzctQ0hqLW9yZWhTb0w0LTFVem14ak0zOWhWRk5taXRhQmJSeU10T0JtSHZxVEZDNkVHMUE?oc=5) · Miami Herald
- 2009-09-08 [Northern Trust Names William Morrison CFO - Update - rttnews.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPa0NBZGlGWEpnWk5CSTdULUhTQXZlRkwtejBieC00T2ZDS2hZV0M4Q1l3TWQ5SVNSbDl3OVljX0lsbm5FLUlQc04yRXEyMDNoV1RLNVNfcGdPcUQ3eXYzVlB1WE1ONEhLSTYzVzVoaV9wT1hHd1JDMHlDb2dNMzdZZWhhbWE0N1RKZWxOSENn?oc=5) · rttnews.com
- 2018-09-06 [Sunstate Bank closes acquisition of Miami-Dade competitor - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxObEpwV1NYaE9FMXBlLVh1V3RRWklxa012aTlXc2dPX0pueHoyZWloWi1jZEJjc2VNSHoxVnRCQlpSem95NEg1bEUzTVRSTVRqTGF2YTVieDl0aU5NSmUzS2VFaEdwSDBDOHAtYzladnl5cTRsQXZ5RWp0QWVDNk5ucEdnbGI2UjZVNElPR0tkV0k2SFl4Z0Yta2dHZVZYd1NQYnV3R2RDdVBCVjlf?oc=5) · The Business Journals
- 2015-08-26 [William Allen Obituary (1935 - 2015) - Miami, FL - the Miami Herald - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOXdrVjAzb09hVml4M2J0RUdpNVh3aHVlVEZRbEZDcTdFRWF6OG5UNE8wdGQ4QjcyZkdDTGxLSWgwczctOXgzTmhDbmdXZWcyTGVra0JmaXhmb1lvaUtWV09iemRpN0sxUC1tbFoxcGNHZnVDaTEtYXNwWktGWlBwMU82VlhRWXRRWThJ?oc=5) · legacy.com
- 2010-02-15 [Intercontinental Bank Staff Donate N4.3M to Haiti Relief Project - Nigeria Communications Week](https://news.google.com/rss/articles/CBMitwFBVV95cUxQY1NHYWgtZG5SbDBaRDFfUll2dGtZOFdDRmNvNXhac1JLT2VlU2NIRTFFOU81Z2lOM0J1c2hmNTNHbEMxWVpXeU9lZjJRYS1aNEhITWlCcUZwMFNSUGZXN2hMbWRWOWw2SU95b1Q0TTgtcjNNSFhxTlN1b0JIMUJINjBHajByUmx5ejlMaUZlWkNRU1M3dlZmcGxoWlY4M196OGpiRmhWck80Z0plV2k3TjVpNmlzU2c?oc=5) · Nigeria Communications Week
- 2016-11-15 [Marquis Bank's Javier J. Holtz on his decades in the industry - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOWkd6NXN4dGFreWFQcHhqc1U1M1JnQmZqdTBfdTc1WU9XSU9Eb1lfYXp0X0l5OFozUWVabDIwUlBoVS1falJFN2xqTGU2VnYtQ0FLQzJ2UUhNZ0lpREY1QWNNMUk4X1N5X2NkeldCeFh2emoyMFB4SE5QdXJOcVg2MHdJajBLejVqbHFGQ2QwVFhibmRTTnN0UzB4OWdyejl6QkgwMHF6NDJocXk5T3FvRXB3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57214 (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/62.json (key "57214", 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