International Bk of Amherst
Amherst, Wisconsin · FDIC Cert #14907
International Bk of Amherst is an FDIC-insured bank (Certificate #14907) with $96M in total assets and $83M in total deposits as of the Q2 2024 Call Report. Headquartered in Amherst, Wisconsin, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
International Bk of Amherst (FDIC cert 14907) is a community bank — $96M in total assets, $83M in deposits, serving the Amherst, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 50.7% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.45% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. International Bk of Amherst carries a composite BankHealth grade of C (63/100) 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: International Bk of Amherst
- Total Assets
- $96M
- Total Deposits
- $83M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 50.66%
- Return on Assets
- 1.45%
- Headquarters
- Amherst, Wisconsin
- FDIC Certificate
- #14907
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, International Bk of Amherst holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject International Bk of Amherst to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
International Bk of Amherst shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 International Bk of Amherst Compares
International Bk of Amherst’s Health Score of 63 is 4 points below the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.45% is in line with or above the national ROA benchmark of ~1.1%. Among 1060 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, International Bk of Amherst is 7 points below the portfolio average of 70.
Frequently Asked Questions
International Bk of Amherst has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below 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. International Bk of Amherst's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.00% indicate an average 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 International Bk of Amherst is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14907). 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.
International Bk of Amherst holds $96M in total assets and $83M in total deposits. It is headquartered in Amherst, Wisconsin (FDIC Certificate #14907).
International Bk of Amherst has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 1.45%.
Yes. International Bk of Amherst is FDIC-insured (Certificate #14907). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
International Bk of Amherst's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.