Total Assets
$5.5B
Total balance-sheet footings
FDIC Cert #27210 · Oklahoma City, Oklahoma · Est. 1988
InterBank - FDIC Bank Health Profile
A community-scale look at InterBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.5B
- Total assets
- B
- Health grade · Good
- 3.60%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
InterBank earns a PlainBankData health grade of B (78/100), with 9.82% Tier 1 capital, profitable at 3.60% ROA, efficient (32% cost ratio).
- #274
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 9.82%
- Tier 1 ratio - below the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How InterBank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
InterBank's composite health score
Tier 1 Capital Ratio (9.82%) 18/40
Return on Assets (ROA) (3.60%) 25/25
Texas Ratio (4.07%) 20/20
Efficiency Ratio (31.96%) 15/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$4.8B
Customer-funded liabilities
Net Loans
$4.7B
Outstanding loan book
Net Income
$179M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where InterBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. InterBank's score of 78/100 falls in the highlighted band.
InterBank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). InterBank's $5.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.82% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.82%
Texas Ratio
4.07%
Equity Capital
$614M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.60%
Return on Equity (ROE)
30.31%
Efficiency Ratio
31.96%
What the numbers say about InterBank
InterBank is an FDIC-insured institution (Certificate #27210) headquartered in Oklahoma City, Oklahoma, established in 1988. It holds $5.5B in total assets - 274th of 4,313 FDIC-insured banks, $4.8B in customer deposits, and $4.7B in net loans. Its capital position: a Tier 1 ratio of 9.82%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.07% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (78 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, InterBank sits in the top decile of all FDIC-insured institutions by asset size (274th of 4,313), and within Oklahoma it ranks 5th of 172 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Stride Bank, at $4.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$355M
Interest Income
$14M
Non-Interest Income
$86M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. InterBank reports a Texas Ratio of 4.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) InterBank (FDIC Cert #27210) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
| Armstrong BankMuskogee | $2.7B | A | 1.25% |
Frequently asked questions
What is InterBank's health grade?▼
InterBank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is InterBank?▼
InterBank holds $5.5B in total assets and $4.8B in deposits, ranking 274th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oklahoma City, Oklahoma.
Is my money safe at InterBank?▼
Yes, deposits at InterBank (Certificate #27210) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is InterBank's Tier 1 Capital Ratio?▼
InterBank has a Tier 1 Capital Ratio of 9.82%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for InterBank?▼
InterBank has a Texas Ratio of 4.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is InterBank?▼
InterBank has an Efficiency Ratio of 31.96%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read InterBank's profile as a depositor or analyst.
- InterBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare InterBank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.