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Interaudi Bank

IDRSSD: 538802
Total Assets
Latest filing
Total Deposits
Latest filing
Net Interest Margin
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 538802 held $2.7B in total assets as of 2026-03-31 (+1.1% quarter-over-quarter). Total loans stood at $1.6B (+4.0% QoQ) and total deposits at $2.3B (+1.0% QoQ).

Overall position is adequate — the composite Health Score is 53/100 (Adequate). Tier 1 / RWA stands at 18.15%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
53/100
Adequate
Active Alerts
1
1 critical, 0 warning
Total Assets
$2.7B
+1.1% QoQ
Total Loans
$1.6B
+4.0% QoQ
Total Deposits
$2.3B
+1.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
18.15%
88th pctile · n=359↑ better
-97 bp QoQ
CET1 / RWA
0.00%
11th pctile · n=455↑ better
Total RBC / RWA
18.91%
87th pctile · n=359↑ better
-99 bp QoQ
Tier 1 Leverage Ratio
18.15%
91th pctile · n=455↑ better
-97 bp QoQ

Liquidity

Cash / Assets
17.37%
92th pctile · n=455↑ better
-329 bp QoQ
Loans / Deposits
68.24%
14th pctile · n=454↓ better
+199 bp QoQ
Non-Core Funding Dependence
no peer group↓ better

Asset Quality

NPL / Loans
2.45%
93th pctile · n=455↓ better
-11 bp QoQ
NPA / Assets
1.71%
91th pctile · n=455↓ better
-3 bp QoQ
Texas Ratio (regulatory)
16.68%
94th pctile · n=455↓ better
+7 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
26th pctile · n=455↓ better
ALLL Coverage of NPL
25.84%
5th pctile · n=455↑ better
+79 bp QoQ

Earnings

Net Interest Margin
3.03%
17th pctile · n=455↑ better
+2 bp QoQ
Return on Assets
1.17%
49th pctile · n=455↑ better
-2 bp QoQ
Return on Equity
11.69%
50th pctile · n=455↑ better
+3 bp QoQ
Efficiency Ratio
54.66%
33th pctile · n=455↓ better
+182 bp QoQ
Pre-tax NOI / Avg Assets
1.61%
58th pctile · n=455↑ better
-5 bp QoQ

Funding

Brokered / Deposits
3.62%
58th pctile · n=454↓ better
-11 bp QoQ
Core Deposits / Deposits
no peer group↑ better
FHLB Advances / Liabilities
1.21%
44th pctile · n=455↓ better
-2 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
no peer group↓ better
Securities / Assets
20.69%
74th pctile · n=455↑ better
+152 bp QoQ
AFS Securities / Assets
15.79%
65th pctile · n=455↑ better
+158 bp QoQ
HTM Securities / Assets
4.71%
85th pctile · n=455↑ better
-6 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 03:53:56 UTC