Interstate Bank
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Data as of · sourced from FFIEC call reports. How we update
Interstate Bank is an FDIC-insured commercial bank headquartered in Perryton, TX, established in 1957 (FDIC certificate 31043), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $288.4M, up 4.8% from Q2 2025, the 219th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 31043
- Headquarters
- Perryton, TX
- Established
- 1957
- Total assets, Q2 2026
- $288.4M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 9.36%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 311372744
- Holding company
- ISB HOLDINGS, INC.
- Asset rank in state
- 219th of 346 in Texas
Problem loans are rising at Interstate Bank. The Perryton, Texas bank had $288 million in assets at June 30, 2026, up 4.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.47% of loans from 1.58% a year earlier. It carries problem assets equal to 22.7% of the capital and reserves that would absorb them, 8.6 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 9.7% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 9.7% and deposits rose 4.2%. Its $51 million commercial and industrial book is improving, with 1.94% past due or on nonaccrual, down from 4.96% a year earlier. Its margin is thin by comparison: it keeps 3.28 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Interstate Bank reported a return on assets of 1.27%, a nonperforming-loan ratio of 3.47% and a Texas ratio of 22.72%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Interstate Bank is the 219th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $288.4M, loans rose 2.4% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 35.7% of total loans, followed by non-owner-occupied commercial real estate loans at 13.1%. The FDIC Summary of Deposits lists 2 offices for it, in Perryton, TX and Amarillo, TX; its Perryton office books 88% of its branch deposits. Judged on its Q2 2026 call report, Interstate Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 S Main St, Perryton, TX 79070
- County
- Ochiltree
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1957
- Former names
- Interstate Bank, SSB (1997-2019)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $269.1M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- -$1.8M
- Average total assets
- $287.9M
- Average total loans
- $141.9M
- Average interest-bearing deposits
- $238.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31043
- Fed RSSD
- 791072
- Website
- www.isbtexas.bank →
- Parent Holding Company
- ISB HOLDINGS, INC. (RSSD 3130542)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Interstate Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Interstate Bank's total assets ranged from $252.3M (Q3 2023) to $292.3M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$288.4M total assets against $275.3M; $269.8M total liabilities against $259.0M.
$139.8M net loans and leases against $156.8M; $269.1M total deposits against $258.2M.
$81.3M securities against $71.3M; $57.8M cash and balances due against $38.1M.
$3.3M total interest income against $3.6M; $1.1M total interest expense against $1.1M.
$2.3M net interest income against $2.5M.
$421K total noninterest income against $362K; $1.8M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$913K net income against $1.4M.
1.27% return on assets against 2.02%; 3.28% net interest margin against 3.75%.
9.36% tier 1 leverage ratio against 10.02%.
Inside the full Interstate 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.
Interstate Bank rankings
Its closest position to the top of a national ranking is 122 of 3,640, for Texas Ratio; its furthest is 2,348 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.66% (Q4 2025) to 2.07% (Q1 2025) and its net interest margin ran from 3.18% (Q1 2026) to 4.05% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.36% | 1.27% | 3.47% | 22.72% | 3.28% |
| Q1 2026 | 9.30% | 1.29% | 4.24% | 30.43% | 3.18% |
| Q4 2025 | 9.43% | -1.66% | 4.42% | 32.49% | 3.39% |
| Q3 2025 | 10.19% | 1.47% | 4.24% | 34.15% | 3.57% |
| Q2 2025 | 10.02% | 2.02% | 1.58% | 13.88% | 3.75% |
| Q1 2025 | 9.86% | 2.07% | 1.34% | 12.28% | 3.50% |
| Q4 2024 | 9.62% | 0.88% | 1.45% | 15.21% | 3.83% |
| Q3 2024 | 9.75% | 1.80% | 1.66% | 16.50% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Interstate Bank (main office) | Perryton , TX | 79070 | $238.1M |
| Amarillo Branch | Amarillo , TX | 79119 | $31.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 28, 2004 | Structure Change | Acquired Ultimate Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- July 13, 1992, OCC (former OTS): Supervisory Agreement: Interstate Savings and Loan Association
- Period: Most recent institution action July 13, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 255 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $400K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 Interstate Bank
What are Interstate Bank's total assets?
As of the Q2 2026 filing, Interstate Bank reported total assets of $288.4 million in its FFIEC call report.
Where is Interstate Bank headquartered?
It is headquartered in Perryton, TX, United States.
When was Interstate Bank founded?
It was established in 1957, per the FDIC institution directory.
Is Interstate Bank FDIC-insured?
Yes. It 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.
How many branches does Interstate Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Interstate Bank's Texas Ratio?
Its Texas Ratio is 22.72% 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.
What was Interstate Bank previously called?
The charter now named Interstate Bank has also operated as Interstate Bank, SSB (1997-2019), per FDIC structure-change records.
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