INTERNATIONAL FINANCE BANK
COMMUNITY REINVESTMENT ACT (CRA)
PUBLIC FILE 2025
For additional information, please contact our CRA Officer or Compliance Department at: (305) 648-8895
PROPERTY OF INTERNATIONAL FINANCE BANK — DO NOT REMOVE
COMMUNITY REINVESTMENT ACT STATEMENT
International Finance Bank, its directors, officers and staff are fully committed to serving our community's needs for banking services.
The Bank's goal is to provide the largest possible of our service area's business and residents access to its wide variety of banking products and services.
We are also committed to playing a role in the betterment of our community (also referred to as its service area) by investing its efforts, assets, and resources to the best of our ability.
This commitment is demonstrated in the form of concerted efforts to improve the overall economic status of the community we serve.
Since its inception in 1983, International Finance Bank has successfully offered its financial services and continues its outreach to its community and customer base.
International Finance Bank's service area currently includes the entirety of Miami-Dade County and the greater New York, NY.
INTERNATIONAL FINANCE BANK
Products and Retail Services
Personal Banking
| Depository Products | Loans & Credit Plans |
|---|---|
| Checking Account | Residential Mortgage / Refinance |
| Senior Citizen Checking Account | Professional's Program |
| Money Market Account | Home Equity Lines of Credit |
| Interest Checking — NOW Account | Construction Permanent Financing |
| Certificate of Deposit | Cash Secured Loan |
| Saving Account / ICS/CDARS |
Business Banking
| Depository Accounts | Loans & Credit Plans |
|---|---|
| Business Checking Account | Business Loans |
| Business Money Market Account | Leasehold & Capital Improvement |
| Certificate of Deposit / IOTA Account | Asset Based Loans |
| ICS/CDARS | Commercial Real Estate |
| SBA 504 Loans and SBA 7(a) Loans | |
| Letters of Credit |
Conveniences
| Service | Description |
|---|---|
| Remote Deposit | Online Banking |
| ACH Origination | Mobile Banking |
| Bill Payment Services | Mobile Deposit |
| Cashier's Checks | Zelle |
| Debit Card | Wire Transfer |
| Acceptance of Direct Deposits | Safe Deposit Box |
| Drive-through location | Bank by Mail |
| Loan Production Office | Aventura Loan Production Office 2980 NE 207 Street, #516, Aventura, FL 33180 MSA 33124 Census Tract 0001.34 Income Level Upper |
INTERNATIONAL FINANCE BANK
Branch Locations & Hours
Douglas Banking Center: 777 SW 37th Avenue, Miami, Florida 33135.
Hours: Mon to Thurs: 9am to 4:30pm (5pm on Fri).
Drive Through: Mon to Fri (8am to 5pm).
CRA Info: MSA: 33124 | Census Tract: 0055.03 | Income Level: Middle.
Note: Night Deposit Available.
New York Banking Center: 623 Fifth Avenue, New York, New York 10022.
Hours: Mon to Fri: 9am to 4:30pm (5pm on Fri).
CRA Info: MSA: 35614 | Census Tract: 0102.00 | Income Level: Unknown.
NIGHT DEPOSIT AVAILABLE AT DOUGLAS BANKING CENTER
ATM NOT AVAILABLE (NO FEE ATM WITHDRAWALS AT CITIBANK BRANCHES IN THE US - UP TO FIVE ATM TRANSACTION FEE REIMBURSEMENTS AT OTHER ATMS PER MONTH).
Branches Opened or Closed
2023 — NONE
2024 — NONE
2025 — NONE
Loan to Deposit Ratio
| Date | Ratio |
|---|---|
| 12/31/2024 | 95.86% |
| 09/30/2024 | 94.73% |
| 06/30/2024 | 94.77% |
| 03/31/2024 | 91.53% |
| 12/31/2023 | 92.73% |
| 09/30/2023 | 95.63% |
| 06/30/2023 | 97.02% |
| 03/31/2023 | 98.07% |
IFB has not received any comments from the public.
CRA Assessment Area Maps
FFIEC Geocoding System — 2020 Census
Miami, FL
FFIEC Geocoding System — 2020 Census
New York, NY
To see the Public disclosure of CRA click here