INTERSTATE BANK

PERRYTON, TX | Small | Est. Jan. 1, 1957, midnight | FDIC #31043 | RSSD #791072 | FDIC
Latest Report: 2025-12-31

INTERSTATE BANK is asn small FDIC-insured commercial bank headquartered in PERRYTON, TX, established in Jan. 1, 1957, midnight. As of 2025-12-31, the bank reported total assets of $276M and total deposits of $257M. Profitability stands at -1.69% ROA and -25.34% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 6.19%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 4.42% and a Texas Ratio of 31.84%. FDIC Certificate #31043.

Assets

$276M

Deposits

$257M

Loans

$142M

Equity

$18M

Profitability

Return on Assets (ROA) -1.69%
Return on Equity (ROE) -25.34%
Net Interest Margin (NIM) 3.58%
Yield on Assets 5.24%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 4.42%
Net Charge-Off Ratio 1.72%
Texas Ratio 31.84%
NPA Ratio 2.28%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 6.19%
Tier 1 Capital 6.19%
Total Capital Ratio 6.50%
Leverage Ratio 9.43%
Loan-to-Deposit 55.26%

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