Interbank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Interbank. Based in Oklahoma City, Oklahoma, it had $5.3 billion in assets at June 30, 2026, up 6.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.56% of loans from 0.67% a year earlier. It earns about $3.36 a year on every $100 of assets, 2.6 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 58 cents).
The non-owner-occupied commercial real estate book ($1.6 billion) is worsening: 3.45% of it is past due or on nonaccrual, up from 0.74% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 4.3 times its capital, about double the median of 2.2 times for banks its size.
As of June 30, 2026, Interbank reported a return on assets of 3.36%, a nonperforming-loan ratio of 1.56% and a Texas ratio of 12.20%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4921 N May Ave, Oklahoma City, OK 73112
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- March 31, 1988
- Former names
- Union Bank (2008-2010); Union Bank, National Association (2001-2008)
- Offices
- 47 domestic
- Employees (FTE)
- 506
- Domestic deposits
- $4.56B
- Allowance for credit losses
- $36.2M
- Net charge-offs (YTD)
- $163K
- Average total assets
- $5.31B
- Average total loans
- $4.76B
- Average interest-bearing deposits
- $3.66B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 31, 1988
- FDIC Cert
- 27210
- Fed RSSD
- 1187001
- SEC CIK
- 927272 → filed by OLNEY BANCSHARES OF TEXAS, INC.
- Website
- www.interbank.com →
- Parent Holding Company
- OLNEY BANCSHARES OF TEXAS, INC. (RSSD 2233950)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Interbank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Interbank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Interbank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Interbank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.06% | 3.36% | 1.56% | 12.20% | 4.97% |
| Q1 2026 | 10.40% | 3.16% | 1.52% | 12.53% | 4.72% |
| Q4 2025 | 10.07% | 3.43% | 0.56% | 4.81% | 5.00% |
| Q3 2025 | 10.85% | 3.61% | 0.59% | 4.78% | 5.26% |
| Q2 2025 | 10.87% | 3.81% | 0.67% | 5.45% | 5.38% |
| Q1 2025 | 10.75% | 3.67% | 0.66% | 5.32% | 5.38% |
| Q4 2024 | 10.26% | 3.72% | 0.46% | 3.71% | 5.60% |
| Q3 2024 | 11.83% | 3.30% | 0.47% | 3.29% | 5.87% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 45 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Park Cities Branch | Dallas , TX | 75206 | $669.7M |
| Interbank (main office) | Oklahoma City , OK | 73112 | $385.3M |
| Hbank Texas Branch | Grapevine , TX | 76051 | $378.3M |
| Fort Worth Office Branch | Fort Worth , TX | 76107 | $354.7M |
| First National Bank of Throckmorton Branch | Throckmorton , TX | 76483 | $270.3M |
| Glen Rose Branch | Glen Rose , TX | 76043 | $210.4M |
| Waxahachie Branch | Waxahachie , TX | 75165 | $176.3M |
| Main Kingfisher Branch | Kingfisher , OK | 73750 | $168.7M |
| Stephenville Branch | Stephenville , TX | 76401 | $157.8M |
| Graham Branch | Graham , TX | 76450 | $145.8M |
| Enid Branch | Enid , OK | 73703 | $139.1M |
| El Reno Branch | El Reno , OK | 73036 | $123.1M |
| Breckenridge Branch | Breckenridge , TX | 76424 | $117.2M |
| Guthrie Branch | Guthrie , OK | 73044 | $100.6M |
| Olney Branch | Olney , TX | 76374 | $94.4M |
| Elk City Branch | Elk City , OK | 73644 | $92.0M |
| Coleman Branch | Coleman , TX | 76834 | $90.0M |
| Hennessey Branch | Hennessey , OK | 73742 | $83.8M |
| Seymour Branch | Seymour , TX | 76380 | $79.6M |
| Clinton Branch | Clinton , OK | 73601 | $78.2M |
| Midlothian Branch | Midlothian , TX | 76065 | $69.9M |
| Friona Branch | Friona , TX | 79035 | $59.9M |
| Canadian Branch | Canadian , TX | 79014 | $59.0M |
| Sayre Branch | Sayre , OK | 73662 | $57.0M |
| Yukon Branch | Yukon , OK | 73099 | $47.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 12, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2015 | Structure Change | Acquired The First National Bank of Throckmorton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 9, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 9, 2015 | Structure Change | Acquired Vintage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2015 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 7, 2015 | Structure Change | Acquired HBank Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | Structure Change | Acquired Park Cities Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 25, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 25, 2013 | Structure Change | Acquired Town and Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 14, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 14, 2011 | Structure Change | Acquired First National Bank of Borger Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2010 | Structure Change | Acquired Citizens National Bank of Breckenridge Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 29, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 29, 2007 | Structure Change | Acquired Rose Rock Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 1992 | Structure Change | Acquired First Western Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1988 | Structure Change | Acquired Union Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 31, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 22 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Interbank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 4 against individuals associated with it
- Period: Most recent action May 8, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in OK, rank 17 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 426 applications, 310 loans originated, $178.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Interbank
What are Interbank's total assets?
As of the Q2 2026 filing, Interbank reported total assets of $5.33 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Interbank headquartered?
Interbank is headquartered in Oklahoma City, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Interbank founded?
Interbank was established in 1988, per the FDIC institution directory.
Is Interbank FDIC-insured?
Yes. Interbank is an FDIC-insured commercial bank (FDIC Certificate #27210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Interbank?
Interbank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Interbank operate?
Interbank operates 47 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Interbank's Texas Ratio?
Interbank's Texas Ratio is 12.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Interbank previously called?
The charter now named Interbank has also operated as Union Bank (2008-2010), Union Bank, National Association (2001-2008), per FDIC structure-change records.
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