Interaudi Bank
New York, New York · $2.68B in assets · beside the 11 other New York banks between $1B and $3B
The filing
Interaudi Bank is the fifth largest of the 12 New York banks nearest its size between $1B and $3B, with $2.68B in assets at 30 June 2026. Loans are 70.0% of deposits, 2nd of 11 against a median of 94.1%, and equity is 10.1% of assets, 9th of 11. Loans grew +11.3% in the year, 6th of 12, and deposits grew 10.0%; the cohort's median loan growth is +11.1%.
Noncurrent loans are 2.36% of the book, 11th of 12 against a median of 0.65%; 0.01% is 30 to 89 days past due, and the allowance covers them 0.3 times. Commercial real estate is 41.6% of loans, 8th of 12 against a median of 39.5%, and 241% of capital, below the 300% screen, with construction at 22% against the 100% screen. CRE has grown +57.7% over 36 months, past the guidance's 50% prong.
Return on assets is 1.21%, 4th of 11 against a median of 1.04%, on an efficiency ratio of 53.8%, 2nd of 11. Five years ago it was 0.54%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.
Commercial real estate against capital
| Interaudi Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 241% | 6th of 11 | 241% |
| Construction against capital, the 100% screen | 22% | 8th of 11 | 4% |
| Construction and land development, share of loans | 3.8% | 9th of 12 | 0.8% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 31.7% | 7th of 11 | 29.0% |
| Total CRE, the guidance definition, share of loans | 41.6% | 8th of 12 | 39.5% |
| CRE growth over 36 months, the third prong | +57.7% | 10th of 10 | +30.2% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.86B | 0.7% | 70.7% | 4.20% | 0.00% | 0.8% | 122.9% | 17.4% | |
| $2.84B | 1.0% | 55.9% | 0.73% | 0.00% | 1.3% | 79.1% | 8.9% | |
| $2.82B | 1.4% | 58.1% | 0.38% | 0.01% | 1.1% | 99.9% | 10.8% | |
| $2.79B | 1.9% | 54.6% | 1.12% | 0.05% | 1.3% | 80.7% | 11.1% | |
| $2.68B | 1.2% | 53.8% | 2.36% | 0.00% | 0.6% | 70.0% | 10.1% | |
| $2.49B | 2.3% | 45.3% | 0.27% | 0.52% | 1.3% | 86.5% | 11.2% | |
| $2.43B | no record | no record | 0.00% | no record | no record | no record | no record | |
| $2.34B | 0.7% | 76.9% | 0.48% | 0.16% | 1.5% | 94.5% | 12.2% | |
| $2.33B | 0.7% | 72.1% | 1.42% | 0.06% | 1.0% | 99.4% | 10.1% | |
| $2.23B | 0.6% | 74.5% | 0.57% | -0.01% | 0.7% | 94.1% | 11.6% | |
| $2.21B | 1.1% | 59.3% | 1.22% | 0.00% | 0.9% | 140.1% | 34.9% | |
| $2.14B | 1.0% | 93.1% | 0.00% | 0.00% | 0.4% | 23.0% | 14.9% |
| Interaudi Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $978M | $1.64B | +67% | $1.29B | $1.91B | +48% |
| Deposits | $1.99B | $2.34B | +18% | $1.61B | $2.11B | +31% |
| NPA / loans | 0.92% | 2.36% | +1.44 pts | 0.69% | 0.65% | -0.04 pts |
| Efficiency | 66.0% | 53.8% | -12.3 pts | 66.0% | 59.3% | -6.8 pts |
| ROA | 0.54% | 1.21% | +0.67 pts | 0.54% | 1.04% | +0.50 pts |
This read was prepared for Interaudi Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Interaudi Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $1B to $3B
Institution www.interaudibank.com
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