TellerScore

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

Capital cushion50/100
Tier 1 leverage ratio: 10.02%
Loan quality21/100
Noncurrent loans ÷ total loans: 2.36%
Earnings69/100
Return on assets (annualized): 1.24%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 69.6% · 57.1% uninsured
Problem-loan coverage68/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.05%

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).

TellerScore
425261Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202445
Q4 202448
Q1 202542
Q2 202548
Q3 202549
Q4 202547
Q1 202647
Q2 202647
Tier 1 leverage ratio
5.00%7.73%10.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.11%
Q3 202410.32%
Q4 202410.36%
Q1 202510.17%
Q2 202510.42%
Q3 202510.46%
Q4 202510.37%
Q1 20269.97%
Q2 202610.02%
Noncurrent loans
1.10%1.96%2.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.10%
Q3 20242.81%
Q4 20242.59%
Q1 20252.82%
Q2 20252.41%
Q3 20252.39%
Q4 20252.56%
Q1 20262.45%
Q2 20262.36%
Return on assets
0.93%1.08%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20241.08%
Q4 20241.15%
Q1 20250.93%
Q2 20251.05%
Q3 20251.11%
Q4 20251.12%
Q1 20261.17%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$2.7B10.02%2.36%1.24%69.6%
Q1 202647$2.7B9.97%2.45%1.17%68.2%
Q4 202547$2.6B10.37%2.56%1.12%66.2%
Q3 202549$2.5B10.46%2.39%1.11%67.3%
Q2 202548$2.4B10.42%2.41%1.05%68.8%
Q1 202542$2.4B10.17%2.82%0.93%69.5%
Q4 202448$2.5B10.36%2.59%1.15%66.0%
Q3 202445$2.4B10.32%2.81%1.08%65.9%
Q2 202461$2.3B10.11%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).

Capital ratio10.02%
38th
Total risk-based capital18.85%
89th
Problem loans2.36%
6th
Net charge-offs0.00%
82nd
Return on assets1.24%
48th
Net interest margin3.14%
21st
Efficiency ratio53.8%
66th
Loans to deposits69.6%
85th
Uninsured deposits57.1%
5th
Loan-loss reserves0.61%
7th
Texas ratio16.1%
6th

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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%).

Check how much of your own balance is covered

2 locations

Branches

Interaudi Bank lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

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
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

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