Interbank
Oklahoma City, OK · Cert 27210 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Olney Bancshares of Texas Inc.
State charter, Fed member · FED · 45 branches
Q2 2026
$5.3BAssets
$4.7BLoans
$4.6BDeposits
$663.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks $1B-$10B in assets operating regionally (rank 2 of 176).
- Widest gap: total risk-based capital ratio trails 86% of banks $1B-$10B in assets operating regionally (rank 151 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.57%
Rank 4 of 176
Net Interest Margin
4.82%
Rank 7 of 176
Efficiency Ratio
34.03%
Rank 2 of 176
Equity / Assets
12.45%
Rank 31 of 176
Non-interest income vs. expense
Unfavorable gap of $77.3M · efficiency ratio beats 99% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.57% | 0.93% | 1.26% | 1.54% | Beats 98% | 4 / 176 | | |
| Return on Equity | 20.65% | 9.26% | 11.89% | 14.46% | Beats 96% | 7 / 176 | | |
| Net Interest Margin | 4.82% | 3.25% | 3.59% | 3.93% | Beats 96% | 7 / 176 | | |
| Efficiency Ratio | 34.03% | 52.79% | 59.55% | 67.66% | Beats 99% | 2 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.56% | 0.30% | 0.64% | 1.32% | Beats 14% | 152 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 84% | 30 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 11.15% | 12.72% | 14.15% | Beats 23% | 136 / 176 | | |
| Total Risk-Based Capital Ratio | 11.06% | 11.81% | 13.63% | 15.33% | Beats 14% | 151 / 176 | | |
| Equity / Assets | 12.45% | 9.16% | 10.35% | 11.80% | Beats 82% | 31 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.01% | 80.94% | 89.73% | 97.21% | 94th pctl | 11 / 176 | | |
| Loans / Assets | 89.03% | 69.25% | 75.12% | 80.82% | 99th pctl | 2 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |