Intercredit Bank NA
Coral Gables, Florida · FDIC Cert #25258
Intercredit Bank NA is an FDIC-insured bank (Certificate #25258) with $603M in total assets and $504M in total deposits as of the Q2 2024 Call Report. Headquartered in Coral Gables, Florida, the bank maintains a Tier 1 capital ratio of 14.71% (Well-Capitalized) and a nonperforming loan ratio of 0.79%. BankHealthData assigns a composite Health Grade of A (81/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Intercredit Bank NA (FDIC cert 25258) is a community bank — $603M in total assets, $504M in deposits, serving the Coral Gables, Florida area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.71% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.79% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 27.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -1.36% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Intercredit Bank NA carries a composite BankHealth grade of A (81/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Intercredit Bank NA
- Total Assets
- $603M
- Total Deposits
- $504M
- Tier 1 Capital Ratio
- 14.71%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.79%
- Liquidity Ratio
- 26.96%
- Return on Assets
- -1.36%
- Headquarters
- Coral Gables, Florida
- FDIC Certificate
- #25258
- Health Grade
- A (81/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Intercredit Bank NA holds a Tier 1 capital ratio of 14.71%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Intercredit Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Intercredit Bank NA shows strong financial health indicators. With $603M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Intercredit Bank NA Compares
Intercredit Bank NA’s Health Score of 81 is 7 points above the Florida state average of 74 across 83 FDIC-insured banks. Its 14.71% Tier 1 capital ratio is 0.7 points above the US banking industry average near 14%. The 0.79% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -1.36% is below the national ROA benchmark of ~1.1%. Among 1374 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Intercredit Bank NA is 11 points above the portfolio average of 70.
Frequently Asked Questions
Intercredit Bank NA has a Bank Health Score of A (81/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 14.71%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Intercredit Bank NA's Tier 1 capital ratio of 14.71% and nonperforming loan ratio of 0.79% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Intercredit Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #25258). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Intercredit Bank NA holds $603M in total assets and $504M in total deposits. It is headquartered in Coral Gables, Florida (FDIC Certificate #25258).
Intercredit Bank NA has a Tier 1 capital ratio of 14.71%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.79%, and the return on assets is -1.36%.
Yes. Intercredit Bank NA is FDIC-insured (Certificate #25258). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Intercredit Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.