2026 Overview
General Bank Information
Interamerican Bank, A FSB is an FDIC insured institution located in Miami, FL. It was founded in 1976 and has approximately $0.36 billion in assets. Customers can open an account at one of its 5 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 31823 |
| Date Established | 1976 |
| Assets | $ 355.68 million |
| Loans | $ 229.76 million |
| Deposits | $ 306.65 million |
| Capital | $ 38.64 million |
For a more detailed analysis of Interamerican Bank, A FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 2, 2026
Your Current Location: Florida, FL
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.25% | $100,000 | $199,999 |
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| 30 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.25% | $100,000 | $199,999 |
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| 48 Mo CD
|
0.25% | $10,000 | $14,999 |
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| 48 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.25% | $100,000 | $199,999 |
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| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
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Loan Rates - November 2, 2026
Your Current Location: Florida, FL
There are currently no loan rates available for Interamerican Bank, A FSB
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Florida 30 Year Fixed Mortgage Rates 2026
Featured - Florida Home Equity Line Of Credit Rates 2026
Note to Interamerican Bank, A FSB
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Branches
Interamerican Bank, A FSB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Deltona,Florida
Interamerican Bank, A FSB Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 167.72 | A | View Lobby Hours | |
| 216.14 | B | View Lobby Hours | |
| 222.91 | C | View Lobby Hours | |
| 223.19 | D | View Lobby Hours | |
| 226.04 | E | View Lobby Hours |
Climate Policy and Initiatives
Interamerican Bank, A FSB is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Interamerican Bank, A FSB Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Interamerican Bank, A FSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Interamerican Bank, A FSB | U.S. Bank Average |
|---|---|
| 3.96% | 6.04% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2026, Interamerican Bank, A FSB had $1,711,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $38,638,000 in equity and $4,609,000 in loans loss reserves. That gives it a Texas Ratio of 3.96%.
Return on Equity
| Interamerican Bank, A FSB | U.S. Bank Average |
|---|---|
| 4.84% | 11.52% |
Interamerican Bank, A FSB has a Return on Equity of 4.84% versus the BestCashCow average of 11.52%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Interamerican Bank, A FSB | U.S. Bank Average |
|---|---|
| 10.86% | 11.94% |
Interamerican Bank, A FSB has a Capitalization of 10.86% versus the BestCashCow average of 11.94. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Interamerican Bank, A FSB Balance Sheet Analysis
As of June 30, 2026, Interamerican Bank, A FSB had assets of $355,678,000, loans of $229,755,000, and deposits of $306,646,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 116.52 million |
| Interest-bearing balances | $ 115.07 million |
| Total securities | N.A. |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 229.76 million |
| Loan loss allowance | $ 4.61 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 1.61 million |
| Total Assets | $ 317.04 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 306.65 million |
| Interest-bearing deposits | $ 240.65 million |
| Deposits held in domestic offices | $ 306.65 million |
| % insured (estimated) | 68.28% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 1.30 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.43 million |
| Total Liabilities | $ 317.04 million |
| Shareholders’ Equity | $ 38.64 million |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 9.28 million |
| Total Interest Expense | $ 3.52 million |
| Net interest income | $ 5.76 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.56 million |
| Total non interest expense | $ 5.08 million |
| Pre-tax Net Operating Income | $ 0.25 million |
Bank Loan Profile?
The top three loan types in Interamerican Bank, A FSB’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.
Compared to other banks in Florida, Interamerican Bank, A FSB has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 29.16 | ✓ | ||
| Multifamily Mortgages |
9.27 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.07 | ✓ | ||
| Small Business Loans | 11.32 | ✓ | ||
| Construction and Development Loans | 5.58 | ✓ | ||
| Commercial Real Estate | 29.22 | ✓ | ||
| Commercial and Industrial Loans | 0.06 | ✓ | ||
| Farm Loans | 0.00 | ✓ | ||
Customer Reviews for Interamerican Bank, A FSB
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