Interaudi Bank
Interaudi Bank reported total assets of $2.7 bn at Q2 2026, up 9.5% on a year earlier, the 472nd largest of 497 banks in our US coverage. The CET1 capital ratio at Interaudi Bank was 18.12%, and the uninsured share of Interaudi Bank was 57.15%. Source: FDIC Call Reports.
Key takeaways
- On total deposits, Interaudi Bank climbed from 486th to 452nd among 499 US banks between and (1 = highest; FDIC Call Reports).
- Interaudi Bank has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 2.36% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
- At 57.15%, the uninsured share of domestic deposits of Interaudi Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 32.61% (FDIC Call Reports).
What sets Interaudi Bank apart
How large is Interaudi Bank?
The balance sheet of Interaudi Bank at : assets $2.7 bn, deposits $2.3 bn, net loans $1.6 bn (loans equal to 69.60% of deposits). Securities make up 22.0% of total assets at Interaudi Bank. Since , when Interaudi Bank held $1.8 bn, its assets grew 49.3%. In the year to , deposits at Interaudi Bank rose 10.0% while its total assets rose 9.5%. At , Interaudi Bank employed 156 full-time equivalent staff across 2 offices, about $17.2 mn of assets per employee and $1.2 bn of deposits per office.
How much funding at Interaudi Bank is uninsured?
At Interaudi Bank, uninsured deposits (above the FDIC limit) made up 57.15% of domestic deposits at (+4.12 pp on a year earlier); Interaudi Bank ranks 39th of 500 on this measure. In dollars, Interaudi Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +10.0% | 452nd of 499 |
| Net loans and leases | $1.6 bn | +11.3% | 480th of 500 |
| Loan-to-deposit ratio | 69.60% | +0.85 pp | 424th of 500 |
| Tier 1 leverage ratio | 10.02% | -0.40 pp | 293rd of 500 |
| Total risk-based capital ratio | 18.85% | -0.58 pp | 53rd of 448 |
| Net interest margin | 3.14% | +0.18 pp | 383rd of 500 |
| Return on assets (ROA) | 1.24% | +0.19 pp | 287th of 500 |
| Efficiency ratio | 53.77% | -3.10 pp | 203rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $3.3 mn | Narrowed by $2.6 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $1.1 mn | Narrowed by $54,000 | |
| Noncurrent loans to total loans | 2.36% | -0.05 pp | 470th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.11 pp | 50th of 500 (1 = lowest) |
US rank of Interaudi Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Interaudi Bank: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.3bn
- Net loans $1.6bn
Capital and securities
The CET1 ratio of Interaudi Bank stood at 18.12% in , -0.52 pp year on year. Low and high at Interaudi Bank since : 15.75% () to 22.41% (). Equity capital of Interaudi Bank at : $270.9 mn, or 10.1% of total assets. Interaudi Bank also reported a total capital ratio of 18.85% for , and a tier 1 leverage ratio of 10.02%.
On held-to-maturity securities, Interaudi Bank carried an unrealized loss of $3.3 mn at , equal to 1.2% of equity capital. The loss narrowed by $2.6 mn over the year. Its deepest point: $24.5 mn in . The available-for-sale portfolio of Interaudi Bank showed an unrealized loss of $1.1 mn at ; the loss narrowed by $54,000 over the year.
Interaudi Bank: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 10%
Interaudi Bank: unrealized securities gains and losses
- Available for sale -$1mn
- Held to maturity -$3mn
Profitability and loan quality
For the year to , Interaudi Bank earned a return on equity of 12.32%; return on assets: 1.24%. Net interest margin at Interaudi Bank: 3.14%, +0.18 pp in a year. Interaudi Bank net income: $16.4 mn, up 28.7% year on year. The efficiency ratio of Interaudi Bank was 53.77%: about 54 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 2.36% of total loans at Interaudi Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at Interaudi Bank: $1.6 bn, up 11.3% in a year.
Interaudi Bank: profitability
- Return on equity 12%
- Net interest margin 3.1%
- Return on assets 1.2%
Peer group of Interaudi Bank
The peer group of Interaudi Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Interaudi Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New York. Against them, Interaudi Bank shows CET1 ratio 18.12% against a peer median of 12.13%, return on equity 12.32% against a peer median of 14.36% and uninsured deposit share 57.15% against a peer median of 23.61%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| CalPrivate Bank | State nonmember bank | CA | $2.7 bn | 13.61% | 18.54% | 56.48% | |
| Beverly Bank & Trust Company | National bank | IL | $2.7 bn | 11.43% | 15.97% | 27.51% | |
| INB | National bank | IL | $2.7 bn | 12.19% | 12.75% | 18.23% | |
| Interaudi Bank | State nonmember bank | NY | $2.7 bn | 18.12% | 12.32% | 57.15% | |
| Machias Savings Bank | State-chartered stock savings bank | ME | $2.7 bn | 14.01% | 8.83% | 16.38% | |
| Avidbank | State nonmember bank | CA | $2.7 bn | 11.83% | 11.72% | 39.51% | |
| FCB Banks | State nonmember bank | IL | $2.6 bn | 12.08% | 21.98% | 19.72% | |
. FDIC Call Reports.
Last eight quarters
Two years at Interaudi Bank, to : assets +12.6%, deposits +13.0%, equity +13.6%. Staff 143 to 156.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.5 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.7 bn |
| Total deposits | $2.1 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.3 bn |
| Bank equity capital | $238.6 mn | $246.3 mn | $242.3 mn | $249.4 mn | $257.6 mn | $266.0 mn | $262.7 mn | $270.9 mn |
| CET1 ratio | 19.00% | 19.48% | 18.38% | 18.64% | 19.24% | 19.12% | 18.15% | 18.12% |
| Return on equity (ROE) | 10.76% | 11.51% | 9.27% | 10.37% | 10.90% | 11.09% | 11.69% | 12.32% |
| Uninsured share of domestic deposits | 53.78% | 53.53% | 52.43% | 53.03% | 53.64% | 55.52% | 55.79% | 57.15% |
| Full-time equivalent employees | 143 | 144 | 149 | 152 | 157 | 154 | 156 | 156 |
| Number of offices | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Interaudi Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Interaudi Bank?
Interaudi Bank reported $2.7 bn at in its Call Report. That makes Interaudi Bank the 472nd largest of 497 banks in our US coverage.
Is Interaudi Bank profitable?
Interaudi Bank reported net income of $16.4 mn for the year to ; annualized return on equity: 12.32%. So yes: Interaudi Bank made a profit over these months.
When is data for Interaudi Bank next updated?
Figures from Interaudi Bank for are due after .
Where can I check the figures for Interaudi Bank?
In the FDIC BankFind Suite record for certificate 24516, and in the Call Reports of Interaudi Bank (RSSD ID 538802) at the FFIEC Central Data Repository.