$5.48B
+17.2%y/y
Percentile by value57th percentileby value
FDIC
ASSETI
InterBank
Oklahoma City, OklahomaFDIC Cert #27210
STATEEstablished 198847 branches
Holding company: OLNEY BANCSHARES OF TEXAS INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportInterBank reported $5.48B in total assets. Deposits grew 18.01% over the prior year.
Return on assets was 3.12%, compared with an asset-peer median of 1.31%. The leverage ratio was 10.40%.
- Why is Return on Assets above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Deposit Growth, Year over Year above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$4.82B
+18.0%y/y
Percentile by value62nd percentileby value
FDIC
DEP$4.82B
+17.0%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET3.12%
−55 bpsy/y
Peer standing97th percentile
FDIC
NETINC + ROA34.04%
+204 bpsy/y
Peer standing94th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.40%
−35 bpsy/y
Peer standing50th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $3.66B | $3.14B |
| Q3 2021 | $3.78B | $3.25B |
| Q4 2021 | $4.14B | $3.68B |
| Q1 2022 | $3.97B | $3.49B |
| Q2 2022 | $3.91B | $3.41B |
| Q3 2022 | $4.03B | $3.51B |
| Q4 2022 | $4.08B | $3.59B |
| Q1 2023 | $4.19B | $3.66B |
| Q2 2023 | $4.27B | $3.7B |
| Q3 2023 | $4.32B | $3.72B |
| Q4 2023 | $4.55B | $3.99B |
| Q1 2024 | $4.6B | $4.01B |
| Q2 2024 | $4.53B | $3.91B |
| Q3 2024 | $4.54B | $3.9B |
| Q4 2024 | $4.53B | $3.96B |
| Q1 2025 | $4.68B | $4.09B |
| Q2 2025 | $5.01B | $4.34B |
| Q3 2025 | $5.19B | $4.55B |
| Q4 2025 | $5.45B | $4.82B |
| Q1 2026 | $5.48B | $4.82B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $141M |
| Investor CRE | $1.69B |
| Multifamily | $153M |
| Construction | $974M |
| 1–4 family | $193M |
| C&I | $1.23B |
| Agriculture | $451M |
| Other | $30.1M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.12%97th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE27.24%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY4.72%91st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR34.04%94th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+18.01%88th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+16.96%87th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.52%15th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ10.40%50th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA3.12%99th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.41%90th 2.27%Observations 173
ROE
FDIC
NETINC + ROE27.24%97th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.17%90th 21.34%Observations 173
NIM
FDIC
NIM + NIMY4.72%74th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 4.15%90th 5.26%Observations 173
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR34.04%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.22%Median 61.79%90th 86.32%Observations 173
Deposits YoY
FDIC
DEP+18.01%93rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.24%Median +3.73%90th +13.48%Observations 172
Loans YoY
FDIC
LNLSNET+16.96%86th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.68%Median +5.17%90th +21.90%Observations 172
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.52%29th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.66%90th 3.87%Observations 172
Leverage
FDIC
RBC1AAJ10.40%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.08%Median 10.86%90th 15.50%Observations 173
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.69%41st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.47%Median 2.46%90th 3.48%Observations 172
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 38%Median 172%90th 290%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
47 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data