FDIC Cert #31043 · Perryton, Texas · Est. 1957

Interstate Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$276M
Total assets
D
Health grade · Weak
0.96%
Return on assets
9.4%
Tier 1 capital

Data updated July 2026

The verdict

Interstate Bank earns a PlainBankData health grade of D (48/100), with 9.43% Tier 1 capital, 0.96% ROA, efficient (57% cost ratio).

#2,614
largest of 4,313 FDIC banks by assets
39th
percentile by asset size, nationally
9.43%
Tier 1 ratio - below the 10% well-capitalized line
40th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 31043 · TX D · 48/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-D D (48/100)
  • BOTTOM-DECILE #4158/4307
  • PHOTO-FINISH Hertford Savings Ban… · NC
  • TIER1-ADEQ 9.4% Tier 1
  • TEXAS-HEALTHY 31.8% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Hertford Savings Bank, SSB, NC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Interstate Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100East Wisconsin Savin… · WI ·…48/100First Federal Bank o… · MO ·…48/100Hertford Savings Ban… · NC ·…48/100Interstate Bank · TX · this …48/100United Fidelity Bank… · IN ·…48/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Interstate Bank · July 2026

Call Report read for Interstate Bank in a high-failure state

Interstate Bank (FDIC Cert #31043) carries a PlainBankData health grade of D at 48/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,158 of 4,307. Tier 1 capital prints at 9.43%, missing the 10% well-capitalized line. The Texas Ratio is 31.84%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $276M, 2,614th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hertford Savings Bank, SSB (NC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Interstate Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Interstate Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Interstate Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Interstate Bank's 48/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10048/100
Interstate Bank's composite health score
Tier 1 Capital Ratio (9.43%) 18/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (31.84%) 4/20
Efficiency Ratio (56.62%) 12/15

48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$276M

Total balance-sheet footings

Total Deposits

$257M

Customer-funded liabilities

Net Loans

$140M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.03% 9.43% 10.83%
Basel III capital ratios - Interstate Bank

Where Interstate Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Interstate Bank's score of 48/100 falls in the highlighted band.

Interstate Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

48 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Interstate Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Interstate Bank'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). Interstate Bank's $276M falls in the highlighted band.

Capital & credit buffers at Interstate Bank

Tier 1 capital ratio
Well-capitalized 10%

9.43% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.43%
Texas Ratio
31.84%
Equity Capital
$18M

What these ratios mean →

Profitability metrics: Interstate Bank

Return on Assets (ROA)
40th percentile nationally
0.96%
Return on Equity (ROE)
16.04%
Efficiency Ratio
56.62%

What these mean →

Income & expense at Interstate Bank

$14M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Interstate Bank reports a Texas Ratio of 31.84% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

31.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Interstate Bank

Interstate Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.43% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Interstate Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Interstate Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($276M here), outside Texas so the neighborhood is not state containment.

First Federal Bank of Wisconsin $276M · WI First New Mexico Bank $276M · NM Georgia First Bank $275M · GA The Harrison Building and Loan Associ… $277M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Interstate Bank (FDIC Cert #31043) - 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.

Interstate Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%