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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Interbank

Oklahoma City, Oklahoma · $5.33B in assets · beside the 11 other the Southwest banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

104.0%
Loans / deposits
12th of 12
3.28%
ROA
1st of 12
34.0%
Efficiency
1st of 12

Interbank is the fifth largest of the 12 the Southwest banks nearest its size between $3B and $10B, with $5.33B in assets at 30 June 2026. Loans are 104.0% of deposits, the highest in the cohort against a median of 71.8%, and equity is 12.4% of assets, 3rd of 12. Loans grew +7.9% in the year, 4th of 12, and deposits grew 5.2%; the cohort's median loan growth is +3.8%.

Noncurrent loans are 1.56% of the book, 11th of 12 against a median of 0.54%; 0.68% is 30 to 89 days past due, and the allowance covers them 0.5 times. Commercial real estate is 54.9% of loans, 10th of 12 against a median of 40.1%, and 451% of capital, above the 300% screen, with construction at 152% against the 100% screen.

Return on assets is 3.28%, the highest in the cohort against a median of 1.60%, on an efficiency ratio of 34.0%, the lowest in the cohort. Five years ago it was 2.19%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 2.4% of loans).

Loans as a share of depositsSouthwest banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 71.8% TE Texas Exchange Bank 26.2% IB International Bank of Com 40.2% FN First National Bank Texas 55.8% BN Broadway National Bank 65.3% IN Inwood National Bank 67.7% VN Verabank National Association 69.6% AN American National Bank of Texas 73.9% CB City Bank 80.1% VB Vantage Bank Texas 88.9% TB Texas Bank & Trust Co. 91.5% SB Stride Bank National Association 101.0% I Interbank 104.0%
Loans, year over yearSouthwest banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.8% SB Stride Bank National Association +46.1% CB City Bank +21.4% VB Vantage Bank Texas +14.7% I Interbank +7.9% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Interbank is the 242nd largest 7(a) lender into Texas of 706, with $16M across 35 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 14 of its 17 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Ellis, TX$7M9th of 1032.8%thin
Dallas, TX$4M154th of 3140.1%quiet FY2015
Oklahoma, OK$3M64th of 1720.3%+0.0 pts
Garfield, OK$2M14th of 312.3%quiet FY2016
Hunt, TX$1M44th of 800.7%quiet FY2013
Erath, TX$873K24th of 441.6%quiet FY2014
Tarrant, TX$822K222nd of 2810.0%quiet FY2022
Stephens, TX$767K6th of 105.6%quiet FY2021
Logan, OK$719K8th of 302.3%quiet FY2022
Canadian, OK$500K36th of 650.4%quiet FY2013
Hood, TX$488K44th of 620.4%quiet FY2013
Johnson, TX$366K83rd of 1030.1%quiet FY2014
Kingfisher, OK$295K9th of 171.6%quiet FY2011
4 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing4$4M16.5%0.01%840th of 2,246
Health care & social assistance3$3M11.7%0.01%789th of 2,172
Retail trade9$2M11.5%0.00%1063rd of 2,589
Accommodation & food services13$2M11.2%0.00%1157th of 2,596
Real estate & leasing1$2M10.7%0.02%517th of 1,452
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Interbank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans I Interbank 0.0% $16M · 35 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer, Interbank among them; owner-occupied excluded; bold marks a screen met
InterbankRankCohort median
Total CRE against capital, the 300% screen451%12th of 12225%
Construction against capital, the 100% screen152%12th of 1256%
Construction and land development, share of loans18.5%11th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans33.3%11th of 1222.8%
Total CRE, the guidance definition, share of loans54.9%10th of 1240.1%
CRE growth over 36 months, the third prong+23.9%7th of 12+22.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
Stride Bank National Association$5.42B2.2%43.7%0.48%0.04%0.4%101.0%7.3%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Interbank$5.33B3.3%34.0%1.56%0.01%0.8%104.0%12.4%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
InterbankCohort median
20212026Change20212026Change
Loans$2.84B$4.74B+67%$2.01B$3.29B+63%
Deposits$3.14B$4.56B+45%$3.13B$4.33B+38%
NPA / loans1.25%1.56%+0.32 pts0.46%0.54%+0.08 pts
Efficiency45.2%34.0%-11.2 pts63.1%56.7%-6.5 pts
ROA2.19%3.28%+1.09 pts1.31%1.60%+0.28 pts

This read was prepared for Interbank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Interbank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southwest banks $3B to $10B
Institution www.interbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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