International Finance Bank

Headquarters: Miami, Florida
Charter: Bank
Assets: $1.6B
Fed district: Atlanta
Regulator: Federal Reserve
Holding company: Ifb Bancorp Inc.

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 3, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 3, 2026

How these figures are measured

Call-report figures are for International Finance Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	International Finance Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: International Finance Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $258K in Q2 2026, about level with the same quarter a year earlier ($259K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
International Finance Bank: $45
International Finance Bank: $45
U.S. median: no median
NSF / Returned Item
International Finance Bank: $15
International Finance Bank: $15
U.S. median: no median
Stop Payment
International Finance Bank: $35
International Finance Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 3.4% from Q3 2025 to Q2 2026, to $258K.

Service-charge income, Q2 2026

$258K

$267KQ3 2025

$267KQ4 2025

$260KQ1 2026

$258KQ2 2026

Against the median

International Finance BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

International Finance Bank · $1.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$1.6B to $1.7B in assets
Headquartered in 21 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
International Finance Bank(this institution)	Miami, FL	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alma Bank	Astoria, NY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
BankSouth	Greensboro, GA	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Bank	Plano, TX	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BOM Bank	Natchitoches, LA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cape & Coast Bank	Yarmouth Port, MA	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chambers Bank	Danville, AR	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Carmichaels, PA	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
CorTrust Bank National Association	Mitchell, SD	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Mendota, IL	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Forcht Bank, National Association	Lexington, KY	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Grasshopper Bank, N.A.	New York, NY	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horicon Bank	Horicon, WI	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Oklahoma City, OK	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Landmark National Bank	Manhattan, KS	$1.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Main Street Bank	Marlborough, MA	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Meredith Village Savings Bank	Meredith, NH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Newburyport Five Cents Savings Bank	Newburyport, MA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northfield Savings Bank	Northfield, VT	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific National Bank	Miami, FL	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
PrimeSouth Bank	Blackshear, GA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Nodaway Valley Bank	Maryville, MO	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Ohio Valley Bank Company	Gallipolis, OH	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Transportation Alliance Bank, Inc. d/b/a TAB Bank	Ogden, UT	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
US Metro Bank	Garden Grove, CA	$1.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Virginia National Bank	Charlottesville, VA	$1.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $36 (400%) above the median of similar-sized banks.

Its published price is $45, against a peer median of $9 among 17 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

International Finance BankPeer (equal prices stack)Peer medianInclude 2 outliers ($45, $50)Shown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for International Finance Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $258K
vs prior quarter: −$2K−0.8%; from Q1 2026
vs a year earlier: −$1K−0.4%; from Q2 2025
vs start of range: +$18K+7.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: International Finance Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$258K	−$2K	−0.8%
Q1 2026	$260K	−$7K	−2.6%
Q4 2025	$267K	$0	0.0%
Q3 2025	$267K	+$8K	+3.1%
Q2 2025	$259K	+$10K	+4.0%
Q1 2025	$249K	−$3K	−1.2%
Q4 2024	$252K	+$12K	+5.0%
Q3 2024	$240K	−$74K	−23.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from International Finance Bank’s own schedules, with a source for each figure.

Account Maintenance

Account Type: Service Charge: Service Charge and Earn Interest per Statement Cycle (8) (4) e-Checking (I)$45
per month
Early Account Closing fee$25
Dormant Account$25
Research Fee (per hour-over 2 years)$50
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee (per hour-within 2 years)$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee$15

Overdraft & NSF

Return Item Fee$15

ATM & Card

International Replacement Debit Card Fee$25
Replacement Debit Card Fee$15

Check Services

Cashier’s Check Fee$15
Cashier’s Check Non-Customer Exchange Fee$25
Stop Payment Fee (per item and valid for 6 months)$35
per item
Non-Customer Check Cashing Fee$5
Clean Collection Fee (per item)$50
per item

Account Services

Notary Service Fee$15
Drilling Appointment Cancellation Fee$150
Not compared: Box drilling or key fee
Drilling Fee$275
Not compared: Box drilling or key fee
Safe Deposit Box 10 x 10$200
Legal Processing Fee (Garnishments, Levies, Notice of Freeze, Subpoena)$150
Legal Process/Subpoena$150

Lending Fees

Late Payment Fee$25

Other Fees

Domestic Courier Shipping Fee$40
International Courier Shipping Fee$75
Copy Fee-at a bank location (per page)$2
per item
Statement Printout Fee (per statement)$5

Fee	Amount	Basis	Note
Account Maintenance
Account Type: Service Charge: Service Charge and Earn Interest per Statement Cycle (8) (4) e-Checking (I)	$45	per month	None
Early Account Closing fee	$25	Not stated	None
Dormant Account	$25	Not stated	None
Research Fee (per hour-over 2 years)	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee (per hour-within 2 years)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee	$15	Not stated	None
Overdraft & NSF
Return Item Fee	$15	Not stated	None
ATM & Card
International Replacement Debit Card Fee	$25	Not stated	None
Replacement Debit Card Fee	$15	Not stated	None
Check Services
Cashier’s Check Fee	$15	Not stated	None
Cashier’s Check Non-Customer Exchange Fee	$25	Not stated	None
Stop Payment Fee (per item and valid for 6 months)	$35	per item	None
Non-Customer Check Cashing Fee	$5	Not stated	None
Clean Collection Fee (per item)	$50	per item	None
Account Services
Notary Service Fee	$15	Not stated	None
Drilling Appointment Cancellation Fee	$150Not compared: Box drilling or key fee	Not stated	None
Drilling Fee	$275Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$200	Not stated	None
Legal Processing Fee (Garnishments, Levies, Notice of Freeze, Subpoena)	$150	Not stated	None
Legal Process/Subpoena	$150	Not stated	None
Lending Fees
Late Payment Fee	$25	Not stated	None
Other Fees
Domestic Courier Shipping Fee	$40	Not stated	None
International Courier Shipping Fee	$75	Not stated	None
Copy Fee-at a bank location (per page)	$2	per item	None
Statement Printout Fee (per statement)	$5	Not stated	None

Correct a fee source

Oct 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where International Finance Bank operates, and what regulators and customers have on file.

Market position

In Miami-Fort Lauderdale-West Palm Beach, FL, International Finance Bank holds 0.4% of bank deposits, #36 of 86, with 2 offices.

Compare fees with the 88 Miami-Fort Lauderdale-West Palm Beach, FL banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 25 institutions shown.

International Finance BankOther banksCredit unions

Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Miami-Fort Lauderdale-West Palm Beach, FL metro (FDIC metro code 33100), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 18 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Bank of America, National Association15.7%
2JPMorgan Chase Bank, National Association12.5%
3Wells Fargo Bank, National Association10.7%
4Citibank, National Association6.4%
5Truist Bank6.2%
6City National Bank of Florida6.1%
7BankUnited, National Association5.6%
8TD Bank, National Association3.1%
36International Finance Bank0.4%

9 of 86 institutions shown. $348.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Miami-Fort Lauderdale-West Palm Beach, FL metro (FDIC metro code 33100)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.4% share, 2 offices, #36 of 86

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Miami-Fort Lauderdale-West Palm Beach, FL metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

173 offices of 39 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when International Finance Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.