InterBank
InterBank reported total assets of $5.3 bn at Q2 2026, up 6.4% on a year earlier, the 276th largest of 497 banks in our US coverage. InterBank uses the community bank leverage ratio framework, with a leverage ratio of 11.06%, and the uninsured share of InterBank was 41.01%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, InterBank slipped from 307th to 433rd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- InterBank has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 3.22% at , against a median of 1.32% across 339 banks (FDIC Call Reports).
- At 27.32%, the return on equity (ROE) of InterBank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 12.68% (FDIC Call Reports).
What sets InterBank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower efficiency ratio than InterBank, at 33.63% in ; the group median is 56.87%.
- Over the year to , the net interest margin of InterBank fell by 0.57 pp to 4.85%, a bigger fall than at 98% of covered banks.
- InterBank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 4.85% at , against a median of 3.66% across 339 banks.
How large is InterBank?
The balance sheet of InterBank at : assets $5.3 bn, deposits $4.6 bn, net loans $4.7 bn (loans equal to 103.22% of deposits). Since , when InterBank held $2.8 bn, its assets grew 87.0%. In the year to , deposits at InterBank rose 5.2% while its total assets rose 6.4%. At , InterBank employed 506 full-time equivalent staff across 47 offices, about $10.5 mn of assets per employee and $97.1 mn of deposits per office.
How much funding at InterBank is uninsured?
At InterBank, uninsured deposits (above the FDIC limit) made up 41.01% of domestic deposits at (+1.84 pp on a year earlier); InterBank ranks 173rd of 500 on this measure. In dollars, InterBank estimated $1.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.6 bn | +5.2% | 268th of 499 |
| Net loans and leases | $4.7 bn | +8.0% | 222nd of 500 |
| Loan-to-deposit ratio | 103.22% | +2.67 pp | 37th of 500 |
| Net interest margin | 4.85% | -0.57 pp | 47th of 500 |
| Return on assets (ROA) | 3.22% | -0.49 pp | 11th of 500 |
| Efficiency ratio | 33.63% | +1.78 pp | 33rd of 500 (1 = lowest) |
| Noncurrent loans to total loans | 1.56% | +0.90 pp | 433rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.01 pp | 89th of 500 (1 = lowest) |
US rank of InterBank: 1 = highest unless marked 1 = lowest.
Balance sheet
InterBank: assets, deposits and loans
- Total assets $5.3bn
- Deposits $4.6bn
- Net loans $4.7bn
Capital and securities
InterBank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 11.06% in . Equity capital of InterBank at : $663.3 mn, or 12.4% of total assets.
InterBank: capital ratios
- Total capital 11%
- CET1 9.8%
- Tier 1 leverage 11%
InterBank: unrealized securities gains and losses
- Available for sale $0
- Held to maturity $0
Profitability and loan quality
For the year to , InterBank earned a return on equity of 27.32%; return on assets: 3.22%. Net interest margin at InterBank: 4.85%, -0.57 pp in a year. InterBank net income: $87.2 mn, down 0.7% year on year. The efficiency ratio of InterBank was 33.63%: about 34 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 1.56% of total loans at InterBank; net charge-offs: 0.01% of average loans. Gross loans and leases at InterBank: $4.7 bn, up 7.9% in a year.
InterBank: profitability
- Return on equity 27%
- Net interest margin 4.8%
- Return on assets 3.2%
Peer group of InterBank
The peer group of InterBank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of InterBank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Oklahoma. Against them, InterBank shows return on equity 27.32% against a peer median of 16.55% and uninsured deposit share 41.01% against a peer median of 33.45%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Five Star Bank | State nonmember bank | CA | $5.4 bn | 11.11% | 15.97% | 59.15% | |
| Morton Community Bank | State nonmember bank | IL | $5.3 bn | 13.59% | 16.74% | 26.93% | |
| Celtic Bank | State nonmember bank | UT | $5.3 bn | not reported | 19.32% | 9.11% | |
| InterBank | State member bank | OK | $5.3 bn | not reported | 27.32% | 41.01% | |
| Southern Bank and Trust Company | State nonmember bank | NC | $5.3 bn | 12.68% | 17.13% | 47.66% | |
| Leader Bank | National bank | MA | $5.3 bn | 19.80% | 7.84% | 31.82% | |
| Alerus Financial | National bank | ND | $5.3 bn | 10.92% | 16.35% | 35.07% | |
. FDIC Call Reports.
Last eight quarters
Two years at InterBank, to : assets +17.4%, deposits +16.9%, equity +7.7%. Staff 520 to 506.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.5 bn | $4.5 bn | $4.7 bn | $5.0 bn | $5.2 bn | $5.5 bn | $5.5 bn | $5.3 bn |
| Total deposits | $3.9 bn | $4.0 bn | $4.1 bn | $4.3 bn | $4.5 bn | $4.8 bn | $4.8 bn | $4.6 bn |
| Bank equity capital | $615.6 mn | $547.0 mn | $571.0 mn | $597.7 mn | $623.9 mn | $613.8 mn | $638.3 mn | $663.3 mn |
| CET1 ratio | 11.49% | 9.92% | 9.81% | 9.90% | 10.17% | 9.82% | not reported | not reported |
| Return on equity (ROE) | 30.11% | 30.26% | 30.19% | 30.70% | 30.39% | 30.31% | 27.24% | 27.32% |
| Uninsured share of domestic deposits | 39.70% | 43.17% | 41.53% | 39.17% | 39.00% | 36.19% | 38.90% | 41.01% |
| Full-time equivalent employees | 520 | 519 | 519 | 519 | 521 | 520 | 513 | 506 |
| Number of offices | 47 | 47 | 47 | 47 | 47 | 47 | 47 | 47 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by InterBank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of InterBank?
InterBank reported $5.3 bn at in its Call Report. That makes InterBank the 276th largest of 497 banks in our US coverage.
Is InterBank the same as its holding company?
No. This page covers InterBank, FDIC certificate 27210; OLNEY BANCSHARES OF TEXAS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is InterBank profitable?
InterBank reported net income of $87.2 mn for the year to ; annualized return on equity: 27.32%. So yes: InterBank made a profit over these months.
When is data for InterBank next updated?
Figures from InterBank for are due after .
Where can I check the figures for InterBank?
In the FDIC BankFind Suite record for certificate 27210, and in the Call Reports of InterBank (RSSD ID 1187001) at the FFIEC Central Data Repository.