The Idabel National Bank
Also written as INB
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Data as of · sourced from FFIEC call reports. How we update
The Idabel National Bank is an FDIC-insured commercial bank headquartered in Idabel, OK, established in 1921 (FDIC certificate 4241), and it is supervised by the OCC. At Q2 2026 it reported total assets of $242.3M, down 4.1% from Q2 2025, the 92nd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 23.53% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4241
- Headquarters
- Idabel, OK
- Established
- 1921
- Total assets, Q2 2026
- $242.3M
- Assets vs Q2 2025
- -4.1%
- CET1 ratio, Q2 2026
- 23.53%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103111744
- Latest call report
- Q2 2026, FFIEC 051 · The Idabel National Bank Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- SOUTHEAST CAPITAL CORPORATION
- Asset rank in state
- 92nd of 169 in Oklahoma
The Idabel National Bank carries far more capital than most banks of its size. Its balance sheet stood at $242 million at June 30, 2026, down 4.1% from a year earlier; it is based in Idabel, Oklahoma. It funds 16.18% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 32.3% of the capital and reserves that would absorb them, 12.2 times the median of 2.7% for banks its size.
Earnings jumped: net income for the quarter was $612,000, 72% above the same quarter a year earlier. Over the same year, loans shrank 15.0% and deposits shrank 5.2%. Profitability lags: it returns 6.6% a year on shareholders' equity, about half the median of 12.6% for banks its size.
As of June 30, 2026, The Idabel National Bank reported a CET1 capital ratio of 23.53%, a return on assets of 1.00%, a nonperforming-loan ratio of 8.39% and a Texas ratio of 32.32%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The Idabel National Bank is the 92nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.4% to $242.3M, loans fell 5.6% and deposits fell 3.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 46.7% of total loans, followed by construction and land development loans at 17.5%. Its one office in the FDIC Summary of Deposits is in Idabel, OK. By the capital ratios in its Q2 2026 call report, The Idabel National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1201 E Washington St, Idabel, OK 74745
- County
- Mccurtain
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 14, 1921
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $201.7M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $366K
- Average total assets
- $244.2M
- Average total loans
- $159.6M
- Average interest-bearing deposits
- $164.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4241
- Fed RSSD
- 237954
- SEC CIK
- 1956100 → filed by SOUTHEAST CAPITAL CORPORATION
- Website
- www.idabelnational.com →
- Parent Holding Company
- SOUTHEAST CAPITAL CORPORATION (RSSD 1059582)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Idabel National Bank's total assets ran between $242.3M (Q2 2026) and $288.1M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$242.3M total assets against $252.6M; $205.0M total liabilities against $218.2M.
$150.8M net loans and leases against $179.1M; $201.7M total deposits against $212.7M.
$80.0M securities against $64.4M; $6.9M cash and balances due against $4.3M.
$3.3M total interest income against $3.4M; $1.1M total interest expense against $1.4M.
$2.2M net interest income against $2.0M.
$140K total noninterest income against $118K; $1.1M total noninterest expense against $1.1M.
$395K provision for credit losses against $502K.
$612K net income against $355K.
1.00% return on assets against 0.55%; 3.68% net interest margin against 3.17%.
23.53% CET1 capital ratio against 19.62%; 16.18% tier 1 leverage ratio against 14.76%.
Inside the full The Idabel National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Idabel National Bank rankings
Its closest position to the top of a national ranking is 51 of 3,640, for Texas Ratio; its furthest is 2,503 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q4 2025) to 1.08% (Q3 2024) and its net interest margin ran from 2.79% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.53% | 1.00% | 8.39% | 32.32% | 3.68% |
| Q1 2026 | 22.01% | 0.84% | 9.40% | 37.81% | 3.27% |
| Q4 2025 | 21.15% | 0.37% | 9.60% | 39.36% | 3.27% |
| Q3 2025 | 20.39% | 0.45% | 9.03% | 39.43% | 3.23% |
| Q2 2025 | 19.62% | 0.55% | 8.64% | 40.77% | 3.17% |
| Q1 2025 | 19.28% | 0.65% | 8.02% | 39.20% | 2.97% |
| Q4 2024 | 18.80% | 0.42% | 4.57% | 23.73% | 3.14% |
| Q3 2024 | 17.84% | 1.08% | 5.33% | 27.52% | 2.79% |
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Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Idabel National Bank | Idabel , OK | 74745 | $201.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 16, 2022, OCC: Formal Agreement: The Idabel National Bank
- Period: Most recent institution action December 16, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OK, rank 105 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $152K approved, $152K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Idabel National Bank
What are The Idabel National Bank's total assets?
As of the Q2 2026 filing, The Idabel National Bank reported total assets of $242.3 million in its FFIEC call report.
Where is The Idabel National Bank headquartered?
It is headquartered in Idabel, OK, United States.
When was The Idabel National Bank founded?
It was established in 1921, per the FDIC institution directory.
Is The Idabel National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Idabel National Bank?
The Idabel National Bank's primary federal regulator is the OCC.
What is The Idabel National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.53% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Idabel National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Idabel National Bank's Texas Ratio?
Its Texas Ratio is 32.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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