TellerScore

Headquartered in Miami, Florida, International Finance Bank is a state-chartered bank (fed member) with $1.6B in total assets and $1.5B in deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1983.

International Finance Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 52nd. Problem-loan coverage contributes the most (95/100, 2.7%); capital cushion contributes the least (33/100, 8.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.31%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 90.4% · 15.3% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.69%

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

From Q2 2025 to Q2 2026, the score fell 2 points (68 → 66), mostly because the earnings component weakened by 4 points.

TellerScore
646770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202464
Q1 202569
Q2 202568
Q3 202569
Q4 202570
Q1 202668
Q2 202666
Tier 1 leverage ratio
5.00%7.40%9.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.79%
Q3 20249.47%
Q4 20249.35%
Q1 20258.91%
Q2 20258.60%
Q3 20258.68%
Q4 20258.70%
Q1 20268.46%
Q2 20268.31%
Noncurrent loans
0.17%0.24%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.29%
Q4 20240.31%
Q1 20250.30%
Q2 20250.23%
Q3 20250.20%
Q4 20250.18%
Q1 20260.17%
Q2 20260.30%
Return on assets
1.20%1.29%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.37%
Q4 20241.38%
Q1 20251.35%
Q2 20251.30%
Q3 20251.34%
Q4 20251.30%
Q1 20261.23%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.6B8.31%0.30%1.20%90.4%
Q1 202668$1.6B8.46%0.17%1.23%89.8%
Q4 202570$1.6B8.70%0.18%1.30%85.7%
Q3 202569$1.4B8.68%0.20%1.34%92.1%
Q2 202568$1.4B8.60%0.23%1.30%89.7%
Q1 202569$1.4B8.91%0.30%1.35%88.2%
Q4 202464$1.3B9.35%0.31%1.38%94.6%
Q3 202465$1.2B9.47%0.29%1.37%93.7%
Q2 202467$1.1B9.79%0.29%1.35%93.4%

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 ratio8.31%
4th
Total risk-based capital11.50%
28th
Problem loans0.30%
67th
Net charge-offs0.00%
73rd
Return on assets1.20%
46th
Net interest margin3.53%
38th
Efficiency ratio52.8%
68th
Loans to deposits90.4%
39th
Uninsured deposits15.3%
91st
Loan-loss reserves1.25%
64th
Texas ratio2.7%
61st

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Pacific National BankBank Miami, FL77 out of 100, Strong$1.6B10.8%0.01%vs
Citizens Bank and TrustBank Frostproof, FL67 out of 100, Moderate$1.5B8.0%0.35%vs
Grove Bank & TrustBank Miami, FL68 out of 100, Moderate$1.4B10.0%0.01%vs
OptimumBankBank Fort Lauderdale, FL76 out of 100, Strong$1.4B10.5%0.18%vs
Climate First BankBank Saint Petersburg, FL68 out of 100, Moderate$1.9B9.7%0.12%vs
Bank of Central FloridaBank Lakeland, FL69 out of 100, Moderate$1.2B8.7%0.21%vs

Deposit insurance

Is my money safe at International Finance Bank?

Yes. International Finance Bank is an FDIC-insured institution (FDIC certificate #24823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.3% of deposits ($222.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.50% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

International Finance Bank lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, International Finance Bank reported 26 home-loan applications under HMDA (LEI 254900UKSP6SQGRSFL18): 22 originated ($54,330,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, 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
International Finance Bank
Former names
Westchester Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
24823
RSSD ID
867632
Primary regulator
FED
Holding company
Ifb Bcorp Inc
Established
November 30, 1983
Headquarters
777 Sw 37th Ave, Miami, FL 33135
Employees
137

Quick answers

International Finance Bank: common questions

Is International Finance Bank FDIC insured?

Yes. International Finance Bank is an FDIC-insured institution (FDIC certificate #24823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is International Finance Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has International Finance Bank ever failed?

There is no failure record for FDIC certificate #24823 in the FDIC failed bank list.

How many branches does International Finance Bank have?

3 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Miami

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs