IDABEL NATIONAL BANK, THE

IDABEL, OK | Small | Est. Feb. 14, 1921, midnight | FDIC #4241 | RSSD #237954 | OCC
Latest Report: 2025-12-31

IDABEL NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in IDABEL, OK, established in Feb. 14, 1921, midnight. As of 2025-12-31, the bank reported total assets of $254M and total deposits of $211M. Profitability stands at 0.61% ROA and 4.19% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 21.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 9.60% and a Texas Ratio of 39.21%. FDIC Certificate #4241.

Assets

$254M

Deposits

$211M

Loans

$170M

Equity

$37M

Profitability

Return on Assets (ROA) 0.61%
Return on Equity (ROE) 4.19%
Net Interest Margin (NIM) 3.45%
Yield on Assets 5.61%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 9.60%
Net Charge-Off Ratio 0.92%
Texas Ratio 39.21%
NPA Ratio 6.53%
ACL / Loans 3.09%

Capital & Liquidity

CET1 Ratio 21.21%
Tier 1 Capital 21.21%
Total Capital Ratio 22.48%
Leverage Ratio 15.30%
Loan-to-Deposit 80.60%

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