InterBank
Oklahoma City, Oklahoma, Oklahoma County
$5.3B in total assets, the 286th largest of 4,309 US banks and 6th of 171 headquartered in Oklahoma.
- FDIC certificate
- 27210
- Established
- 1988
- Owned by
- Olney Bancshares Of Texas Inc
- Primary regulator
- FED
- Website
- www.interbank.com
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.3B | 95% | $1.6B | |
| Loans | $4.7B | 95% | $1.2B | |
| Deposits | $4.6B | 95% | $1.2B | |
| Return on assets | 3.37% | 98% | 1.38% | |
| Net interest margin | 4.85% | 80% | 3.91% | |
| Efficiency ratio | 33.6% | 2% | 60.6% | |
| Equity to assets | 12.45% | 80% | 10.13% | |
| Loans to deposits | 104% | 95% | 94% |
Growth
Total assets grew 7.8% a year over the last 5 years and 6.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2015 | The First National Bank of Throckmorton Throckmorton, TX | $39M |
| May 2015 | VINTAGE BANK Waxahachie, TX | $174M |
| Mar 2015 | First State Bank Yukon, OK | $21M |
| Feb 2015 | HBank Texas Grapevine, TX | $136M |
| Mar 2014 | Park Cities Bank Dallas, TX | $406M |
| Jan 2013 | Town and Country Bank Stephenville, TX | $221M |
| Jun 2011 | First National Bank of Borger Panhandle, TX, an affiliate under the same holding company | $9M |
| Dec 2010 | First Coleman National Bank of Coleman Coleman, TX, an affiliate under the same holding company | $60M |
| Dec 2010 | Interbank Elk City, OK, an affiliate under the same holding company | $233M |
| Dec 2010 | The Farmers National Bank of Seymour Seymour, TX, an affiliate under the same holding company | $60M |
| Dec 2010 | Citizens National Bank of Breckenridge Breckenridge, TX, an affiliate under the same holding company | $93M |
| Dec 2010 | First National Bank of Olney Olney, TX, an affiliate under the same holding company | $53M |
| Dec 2010 | Graham National Bank Graham, TX, an affiliate under the same holding company | $113M |
| Dec 2010 | First State Bank of Canadian, National Association Canadian, TX, an affiliate under the same holding company | $125M |
| Dec 2010 | Friona State Bank, N.A. Friona, TX, an affiliate under the same holding company | $89M |
| Nov 2007 | Rose Rock Bank Oklahoma City, OK, an affiliate under the same holding company | $403M |
| Nov 1992 | First Western Federal Savings and Loan Association Oklahoma City, OK | $140M |
| Mar 1988 | Union Bank and Trust Company Oklahoma City, OK | $183M |
Where they operate
45 branches in 26 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Tarrant County, TX | $733M | 1.1% | 18 of 74 |
| Dallas County, TX | $710M | 0.2% | 41 of 109 |
| Oklahoma County, OK | $452M | 1.0% | 17 of 60 |
| Ellis County, TX | $275M | 6.9% | 5 of 15 |
| Throckmorton County, TX | $270M | 87.6% | 1 of 2 |
| Kingfisher County, OK | $253M | 25.1% | 1 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 3 branches since 2016 (48 to 45, −6.2%). 0 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 48 | |||
| 2016 | Closed Oklahoma City and Panhandle | 0 | 2 | −2 | 46 |
| 2017 | Closed Dallas | 0 | 1 | −1 | 45 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 36% | |
| Business (C&I) | 28% | 17% | |
| Construction and land | 19% | 12% | |
| Agricultural | 8% | 2% | |
| 1-4 family residential | 4% | 20% | |
| Multifamily | 3% | 3% | |
| Farmland | 2% | 3% | |
| Consumer | 0% | 5% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 73% | 50% | |
| Noninterest-bearing | 21% | 26% | |
| Time deposits | 6% | 25% |
Brokered deposits are 5.4% of deposits (peers 7.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.56% | 0.55% |
| Net charge-offs, annualized | 0.01% | 0.03% |
| Reserves to loans | 0.76% | 1.19% |
| Leverage ratio | 11.06% | 10.30% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Tarrant County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/interbank