Interbank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Interbank of Oklahoma City, OK against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.36% | 1.34% | +2.02% | 98th top |
| ROAE | 27.41% | 12.34% | +15.07% | 96th top |
| Net Interest Margin | 4.97% | 3.83% | +1.14% | 94th top |
| Efficiency Ratio | 33.21% | 58.97% | -25.76% | 97th top |
| PPNR / Avg Assets | 3.36% | — | — | 97th top |
| Yield on Earning Assets | 6.94% | 5.71% | +1.23% | 95th top |
| Cost of Funds | 2.21% | 2.02% | +0.19% | 36th below |
| Net Interest Spread | 4.26% | — | — | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.56% | 0.87% | +0.69% | 14th bottom |
| NPA / Total Assets | 1.41% | — | — | 11th bottom |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 60th above |
| ACL / Total Loans | 0.76% | — | — | 12th bottom |
| ACL / NPLs (Coverage) | 48.78% | — | — | 6th bottom |
| Texas Ratio | 12.20% | 5.48% | +6.72% | 11th bottom |
| Provision / NCO | 0.00% | — | — | 11th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.06% | 11.11% | -0.05% | 61st above |
| Equity / Assets | 12.45% | 11.02% | +1.43% | 80th top |
| TCE / Tangible Assets | 11.02% | — | — | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.01% | 86.99% | +17.02% | 9th bottom |
| Core Deposit Ratio | 92.95% | 85.57% | +7.38% | 74th above |
| Uninsured Deposit Ratio | 41.01% | 33.19% | +7.82% | 24th bottom |
| Wholesale Funding Ratio | 1.59% | — | — | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.44% | — | — | 57th above |
| Loan Growth (Y/Y) | 7.94% | — | — | 63rd above |
| Deposit Growth (Y/Y) | 5.21% | — | — | 51st above |
See Interbank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Interbank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Interbank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Interbank peer analysis.