International Finance Bank

777 Sw 37
Miami, FL 33135


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 24823
Date Established 1983
Assets $0.54 billion
Loans $0.46 billion
Deposits $0.45 billion
Capital $0.05 billion

International Finance Bank is an FDIC insured institution located in Miami, FL. It was founded in 1983 and has approximately $0.54 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of International Finance Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in International Finance Bank’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Florida, International Finance Bank has a significantly higher percent of Commercial and Industrial Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.91
Credit Card Loans 0.22
Consumer Auto Loans 0.03
Small Business Loans 4.23
Construction and Development Loans 1.61
Commercial Real Estate 25.66
Commercial and Industrial Loans 36.58
Farm Loans 0.00

Deposit Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.70% $2,500 - Learn MoreShow Less
0.70% $2,500 $49,999 Learn MoreShow Less
0.73% $100,000 $249,999 Learn MoreShow Less
0.85% $2,500 $49,999 Learn MoreShow Less
0.88% $100,000 $249,999 Learn MoreShow Less
1.50% $2,500 $49,999 Learn MoreShow Less
1.53% $100,000 $249,999 Learn MoreShow Less
1.62% $2,500 $49,999 Learn MoreShow Less
1.65% $100,000 $249,999 Learn MoreShow Less
1.63% $2,500 $49,999 Learn MoreShow Less
1.66% $100,000 $249,999 Learn MoreShow Less
1.65% $2,500 $49,999 Learn MoreShow Less
1.84% $2,500 $49,999 Learn MoreShow Less
1.87% $100,000 $249,999 Learn MoreShow Less
2.00% $2,500 $49,999 Learn MoreShow Less
2.03% $100,000 $249,999 Learn MoreShow Less
2.50% $2,500 $49,999 Learn MoreShow Less
2.53% $100,000 $249,999 Learn MoreShow Less

1.50% $2,500 $50,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.29% $2,500 - Learn MoreShow Less

Loan Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for International Finance Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to International Finance Bank
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International Finance Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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International Finance Bank Locations

Financial Details

International Finance Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of International Finance Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
International Finance Bank U.S. Bank Average
2.65% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2018, International Finance Bank had $1,385,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,131,000 in equity and $5,143,000 in loans loss reserves. That gives it a Texas Ratio of 2.65%.

Return on Equity
International Finance Bank U.S. Bank Average
9.46% 9.95%

International Finance Bank has a Return on Equity of 9.46% versus the BestCashCow average of 9.95%. 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.

International Finance Bank U.S. Bank Average
8.65% 12.19%

International Finance Bank has a Capitalization of 8.65% versus the BestCashCow average of 12.19. 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.

International Finance Bank Balance Sheet Analysis

As of September 30, 2018, International Finance Bank had assets of $544,998,000, loans of $459,312,000, and deposits of $450,142,000. 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

September 30, 2018
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.46 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.50 billion
Total deposits $0.45 billion
      Interest-bearing deposits $0.27 billion
      Deposits held in domestic offices $0.45 billion
      % insured (estimated) 57.57%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.05 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.50 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

September 30, 2018
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About International Finance Bank

Branches and Savings

Is International Finance Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24823.

Why does International Finance Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are International Finance Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is International Finance Bank a commercial bank?


Where are International Finance Bank locations?

See branch locations nearby.

Is International Finance Bank open on Saturdays?

Is International Finance Bank open on Sundays?

What time does International Finance Bank open?

What time does International Finance Bank close?

Are International Finance Bank ATMs Open 24/7?

Do International Finance Bank ATMs accept cash deposits?

Can International Finance Bank customers use other ATMs?

Do International Finance Bank branches have notaries?

Will International Finance Bank notarize my document?

What address for International Finance Bank should I put for incoming ACH transfers?

Will the International Finance Bank branch print checks?

Do International Finance Bank checks expire?

Does International Finance Bank require US citizenship to open account?

Can International Finance Bank close my account?

Does International Finance Bank Report to credit bureaus?

Does International Finance Bank Use Equifax?

What is International Finance Bank's ACH Routing Number?

What is International Finance Bank's SWIFT code?


Does International Finance Bank offer mortgages?

Compare mortgage rates here.

Does International Finance Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does International Finance Bank offer personal loans?

Compare personal loan rates here.

Does International Finance Bank offer student loans?

Will International Finance Bank cash a check?

Will International Finance Bank redeem a savings bond?

Does International Finance Bank cash savings bonds?

Will International Finance Bank cash money orders?

Can International Finance Bank issue a money order?

Does International Finance Bank do currency exchange?

Background on The Bank

Who owns International Finance Bank?

How long has International Finance Bank been around?

Can International Finance Bank transfer to other banks?

Does International Finance Bank have quick pay?

Does International Finance Bank accept rolled coins?

Will International Finance Bank accept loose change?

Where is International Finance Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of International Finance Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.