INTERSTATE BANK
INTERSTATE BANK is an FDIC-insured commercial bank headquartered in PERRYTON, TX, established in 1957. As of , 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 3.31%. CET1 capital ratio: 6.32%, below the well-capitalized threshold. NPL ratio: 4.55% · Texas Ratio: 32.80%. Operates 2 domestic branches.
Profitability
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer) — triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Interstate Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 6.32% | -1.69% | 4.55% | 32.80% | 3.31% |
| 2025-09-30 | 6.75% | 1.47% | 4.52% | 35.51% | 3.51% |
| 2025-06-30 | 5.78% | 2.02% | 2.12% | 18.24% | 3.69% |
| 2025-03-31 | 5.63% | 2.02% | 1.83% | 16.41% | 3.45% |
| 2024-12-31 | 4.88% | 0.88% | 1.70% | 17.38% | 3.78% |
| 2024-09-30 | 5.85% | 1.82% | 1.61% | 15.63% | 3.99% |
| 2024-06-30 | 4.81% | 1.44% | 2.12% | 25.52% | 3.64% |
| 2024-03-31 | 5.10% | 0.91% | 1.31% | 13.77% | 3.81% |
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Frequently asked about INTERSTATE BANK
What are Interstate Bank's total assets?
As of the Q4 2025 filing, Interstate Bank reported total assets of $275.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Interstate Bank headquartered?
Interstate Bank is headquartered in PERRYTON, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Interstate Bank founded?
Interstate Bank was established in 1957, per the FDIC institution directory.
Is Interstate Bank FDIC-insured?
Yes. Interstate Bank is an FDIC-insured commercial bank (FDIC Certificate #31043). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Interstate Bank?
Interstate Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Interstate Bank's CET1 capital ratio?
Interstate Bank reported a Common Equity Tier 1 (CET1) capital ratio of 6.32% in its most recent quarterly filing — below the well-capitalized threshold.
How many branches does Interstate Bank operate?
Interstate Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Interstate Bank's Texas Ratio?
Interstate Bank's Texas Ratio is 32.80% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.