Intercredit Bank, National Association
Coral Gables, FL
IDRSSD: 44433
Total Assets
$1.33B
Latest filing
Total Deposits
$1.15B
Latest filing
Net Interest Margin
2.28%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Intercredit Bank, National Association
396 Alhambra Cir
Coral Gables, FL 33134
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/02/1984FDIC Certificate 17463
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Intercredit Bank, National Association (Main) | 396 Alhambra Cir | Coral Gables, FL |
| BIRD ROAD BRANCH | 8890 Sw 40th St | Miami, FL |
| DORAL BRANCH | 10015 Nw 41st St | Doral, FL |
| EIGHTH STREET BRANCH | 4725 Sw 8th St | Miami, FL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 07/02/1984 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 33134 |
| State and County Number | 12086 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Miami-Fort Lauderdale-Pompano Beach, FL |
Operational Info
| Number of Employees | 127 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/10/2022 |
| Date of Deposit Insurance | 07/02/1984 |
| Primary Insurance Agency | DIF |
| Website | www.intercreditbank.com |
| Data Updated | 11/14/2025 |
| CERT | 25258 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.33B |
| Total Deposits | $1.15B |
| Total Liabilities | $1.20B |
| Total Equity Capital | $129.66M |
| Net Income | $-1,239,000 |
| Net Loans and Leases | $678.18M |
| Assets Per Employee ($Millions) | $10.06M |
| Bank Premises and Fixed Assets | $6.72M |
| Cash and Balances due from Depository Institutions | $59.94M |
| Deposits Held in Domestic Offices | $1.15B |
Key Performance Ratios
| Return on Assets (ROA) | -0.38% |
| Return on Equity (ROE) | -4.09% |
| Net Interest Margin | 2.28% |
| Efficiency Ratio | 118.64% |
| Tier 1 Risk-Based Capital Ratio | 16.48% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.764% |
| Earning Assets to total Assets | 97.37% |
Income and Expense
| Total Interest Income | $18.48M |
| Total Noninterest Income | $205.00k |
| Total Interest Expense | $11.27M |
| Total Noninterest Expense | $8.80M |
| Net Interest Income | $7.22M |
| Pre-tax Net Operating Income | $-1,931,000 |
| Provision for Credit Losses | $548.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $38.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.57M |
| Total Liabilities and Capital | $1.33B |
Securities
| Securities | $556.32M |
| Available-for-sale debt securities | $556.32M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Intercredit Bank, National Association?
$1.33B as of the latest filing.
How much are Intercredit Bank, National Association's total deposits?
$1.15B in total deposits.
Where is Intercredit Bank, National Association located?
Coral Gables, FL.
What is the Net Interest Margin?
2.28%.
How many domestic offices does it operate?
5.
When was it established?
07/02/1984.
What is the Return on Assets (ROA)?
-0.38%.
How much are total loans and leases?
$678.18M (latest filing).
What is the total interest income (latest filing)?
$18.48M.