The Idabel National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.67 percentage points higher than in Q1 2026, at 41.70%. Within Oklahoma, The Idabel National Bank is 126th of 169 on return on assets, 1.00% as of Q2 2026, below the middle of the field. The Idabel National Bank reported 1.00% on return on assets for Q2 2026, 0.25 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.53% |
| Tier 1 risk-based capital ratio | 23.53% |
| Total risk-based capital ratio | 24.81% |
| Tier 1 leverage ratio | 16.18% |
| Equity capital to assets | 15.40% |
| Tangible equity to tangible assets | 15.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 8.39% |
| Non-performing assets ratio | 5.71% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 32.32% |
| Allowance for credit losses to loans | 3.50% |
| Reserve coverage of non-performing loans | 41.70% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 6.57% |
| Net interest margin | 3.68% |
| Efficiency ratio | 44.29% |
| Yield on earning assets | 5.47% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.51% |
| Core deposits to total deposits | 63.61% |
| Brokered deposits to total deposits | 21.00% |
| Deposits to assets | 83.24% |
| Securities to assets | 33.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.39% | 16.39% | 17.64% | 12.02% | 0.83% |
| Q4 2023 | 16.32% | 16.32% | 17.58% | 12.47% | 1.77% |
| Q1 2024 | 17.19% | 17.19% | 18.45% | 12.86% | 1.27% |
| Q2 2024 | 17.40% | 17.40% | 18.66% | 13.16% | 1.57% |
| Q3 2024 | 17.84% | 17.84% | 19.10% | 13.43% | 1.08% |
| Q4 2024 | 18.80% | 18.80% | 20.07% | 13.88% | 0.42% |
| Q1 2025 | 19.28% | 19.28% | 20.55% | 14.44% | 0.65% |
| Q2 2025 | 19.62% | 19.62% | 20.89% | 14.76% | 0.55% |
| Q3 2025 | 20.39% | 20.39% | 21.66% | 15.10% | 0.45% |
| Q4 2025 | 21.15% | 21.15% | 22.42% | 15.25% | 0.37% |
| Q1 2026 | 22.01% | 22.01% | 23.28% | 15.49% | 0.84% |
| Q2 2026 | 23.53% | 23.53% | 24.81% | 16.18% | 1.00% |
The Idabel National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Idabel National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Idabel National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4241) · FFIEC NIC profile (RSSD 237954)