International Finance Bank
Miami, Florida, Miami-Dade County
$1.6B in total assets, the 711th largest of 4,309 US banks and 23rd of 84 headquartered in Florida.
- FDIC certificate
- 24823
- Established
- 1983
- Owned by
- Ifb Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.ifbbank.com
At a glance
Compared with 24 banks headquartered in Florida with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.6B | 38% | $2.4B | |
| Loans | $1.3B | 46% | $1.6B | |
| Deposits | $1.5B | 38% | $2.1B | |
| Return on assets | 1.26% | 58% | 1.22% | |
| Net interest margin | 3.53% | 50% | 3.54% | |
| Efficiency ratio | 52.8% | 29% | 58.6% | |
| Equity to assets | 8.17% | 12% | 9.70% | |
| Loans to deposits | 92% | 71% | 76% |
Growth
Total assets grew 11.8% a year over the last 5 years and 16.5% a year over 10 years, without acquisitions.
Where they operate
3 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $1.3B | 0.6% | 27 of 58 |
| New York County, NY | $137M | 0.0% | 61 of 83 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (4 to 3, −25.0%). 1 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2018 | Opened New YorkClosed Miami | 1 | 1 | 0 | 4 |
| 2020 | Closed Miami | 0 | 1 | −1 | 3 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 37% | 36% | |
| Business (C&I) | 21% | 16% | |
| Multifamily | 16% | 4% | |
| 1-4 family residential | 13% | 29% | |
| Consumer | 6% | 4% | |
| Construction and land | 3% | 5% | |
| Other | 3% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 55% | |
| Noninterest-bearing | 41% | 24% | |
| Time deposits | 17% | 22% |
Brokered deposits are 3.9% of deposits (peers 5.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.30% | 0.31% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 1.25% | 1.16% |
| Leverage ratio | 8.31% | 10.03% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Miami-dade County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/international-finance