Headquartered in New York, New York, Interaudi Bank is a state-chartered bank with $2.7B in total assets and $2.3B in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1983.
Based on its Q2 2026 filing, Interaudi Bank scores 47/100, which we describe as below average. That is higher than only 5% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 101st. Its strongest component is earnings (69/100; 1.24%), and its lowest is loan quality (21/100; 2.36%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (48 → 47).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 45 |
| Q4 2024 | 48 |
| Q1 2025 | 42 |
| Q2 2025 | 48 |
| Q3 2025 | 49 |
| Q4 2025 | 47 |
| Q1 2026 | 47 |
| Q2 2026 | 47 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.11% |
| Q3 2024 | 10.32% |
| Q4 2024 | 10.36% |
| Q1 2025 | 10.17% |
| Q2 2025 | 10.42% |
| Q3 2025 | 10.46% |
| Q4 2025 | 10.37% |
| Q1 2026 | 9.97% |
| Q2 2026 | 10.02% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 2.81% |
| Q4 2024 | 2.59% |
| Q1 2025 | 2.82% |
| Q2 2025 | 2.41% |
| Q3 2025 | 2.39% |
| Q4 2025 | 2.56% |
| Q1 2026 | 2.45% |
| Q2 2026 | 2.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.15% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.12% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $2.7B | 10.02% | 2.36% | 1.24% | 69.6% |
| Q1 2026 | 47 | $2.7B | 9.97% | 2.45% | 1.17% | 68.2% |
| Q4 2025 | 47 | $2.6B | 10.37% | 2.56% | 1.12% | 66.2% |
| Q3 2025 | 49 | $2.5B | 10.46% | 2.39% | 1.11% | 67.3% |
| Q2 2025 | 48 | $2.4B | 10.42% | 2.41% | 1.05% | 68.8% |
| Q1 2025 | 42 | $2.4B | 10.17% | 2.82% | 0.93% | 69.5% |
| Q4 2024 | 48 | $2.5B | 10.36% | 2.59% | 1.15% | 66.0% |
| Q3 2024 | 45 | $2.4B | 10.32% | 2.81% | 1.08% | 65.9% |
| Q2 2024 | 61 | $2.3B | 10.11% | 1.10% | 1.09% | 64.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Orange Bank & Trust CompanyBank Middletown, NY | 73 out of 100, Strong | $2.8B | 13.2% | 1.12% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| Habib American BankBank New York, NY | 61 out of 100, Moderate | $2.8B | 8.5% | 0.73% | vs |
| Esquire Bank, National AssociationBank Jericho, NY | 81 out of 100, Strong | $2.5B | 11.7% | 0.27% | vs |
| Industrial and Commercial Bank of China USA, National AssociationBank New York, NY | 49 out of 100, Below average | $2.9B | 17.3% | 4.20% | vs |
| Pioneer Bank, National AssociationBank Albany, NY | 62 out of 100, Moderate | $2.3B | 10.0% | 0.48% | vs |
Deposit insurance
Is my money safe at Interaudi Bank?
Yes. Interaudi Bank is an FDIC-insured institution (FDIC certificate #24516). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 57.1% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.85% (benchmark: 10%).
2 locations
Branches
Interaudi Bank lists 2 offices in 2 cities across 2 states. Most locations:
- Miami, FL (1)
- New York, NY (1)
HMDA 2025
Mortgage lending
In 2025, Interaudi Bank reported 32 home-loan applications under HMDA (LEI 3T5M8FX6V6B82KVKOB17): 32 originated ($46,740,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Interaudi Bank
- Former names
- Bank Audi U.S.A.; Bank Audi (U.S.A.)
- Type
- State-chartered bank
- FDIC certificate #
- 24516
- RSSD ID
- 538802
- Primary regulator
- FDIC
- Established
- June 14, 1983
- Headquarters
- 19 E 54th St, New York, NY 10022
- Website
- www.interaudibank.com
- Employees
- 156
Quick answers
Interaudi Bank: common questions
Is Interaudi Bank FDIC insured?
Yes. Interaudi Bank is an FDIC-insured institution (FDIC certificate #24516). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Interaudi Bank's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Interaudi Bank ever failed?
There is no failure record for FDIC certificate #24516 in the FDIC failed bank list.
How many branches does Interaudi Bank have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |