The Idabel National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 23.53% was up 153bps from the prior quarter. Asset quality shifted last quarter, NPLs fell to 8.39% from 9.40% in the prior period. The Idabel National Bank is the primary bank subsidiary of its parent holding company, headquartered in Idabel, OK. Earnings are mid-range, 1.00% ROA and a 3.68% net interest margin. The Idabel National's Q2 2026 balance sheet shows $242M in assets funded primarily by $202M in customer deposits. Capital cushions are healthy: 23.53% CET1, 16.18% Tier 1 leverage. Credit metrics show stress, 8.39% NPLs and a 32.32% Texas Ratio above the 100% historical failure threshold. The bank operates from a single office.
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%, a Texas ratio of 32.32%, per financial data filed with the FFIEC.
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
- Offices
- 1 domestic
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Idabel National Bank terminal
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Unlock The Idabel National 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.
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%. BankRegReports band vs the 0.5–1.5% industry norm.
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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Idabel National Bank: CET1 ratio, Texas Ratio.
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 |
|---|---|---|---|---|---|
| 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% | 8.97% | 39.43% | 3.23% |
| Q2 2025 | 19.62% | 0.55% | 8.24% | 40.77% | 3.17% |
| Q1 2025 | 19.28% | 0.65% | 7.90% | 39.20% | 2.97% |
| Q4 2024 | 18.80% | 0.42% | 4.31% | 23.73% | 3.14% |
| Q3 2024 | 17.84% | 1.08% | 5.12% | 27.52% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Idabel National Bank | Idabel , OK | 74745 | $201.7M |
Regulatory record
What the public regulatory sources show for The Idabel National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Idabel National Bank headquartered?
The Idabel National Bank is headquartered in Idabel, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Idabel National Bank founded?
The Idabel National Bank was established in 1921, per the FDIC institution directory.
Is The Idabel National Bank FDIC-insured?
Yes. The Idabel National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Idabel National Bank's CET1 capital ratio?
The Idabel National Bank 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?
The Idabel National Bank 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?
The Idabel National Bank's Texas Ratio is 32.32% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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