Interstate Bank
Perryton, TX · Cert 31043 · Peer group: banks under $1B in assets in TX (n=208-211) · Isb Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$288.4MAssets
$143.5MLoans
$269.1MDeposits
$18.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks under $1B in assets in TX (rank 39 of 211).
- Widest gap: equity / assets trails 97% of banks under $1B in assets in TX (rank 204 of 211).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.00%
Rank 136 of 211
Net Interest Margin
3.11%
Rank 170 of 211
Efficiency Ratio
64.52%
Rank 110 of 211
Equity / Assets
6.44%
Rank 204 of 211
Non-interest income vs. expense
Unfavorable gap of $5.2M · efficiency ratio beats 48% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.87% | 1.20% | 1.65% | Beats 36% | 136 / 211 | |
| Return on Equity | 15.49% | 7.52% | 11.67% | 14.58% | Beats 82% | 39 / 211 | |
| Net Interest Margin | 3.11% | 3.28% | 3.82% | 4.31% | Beats 19% | 170 / 211 | |
| Efficiency Ratio | 64.52% | 53.01% | 64.18% | 73.65% | Beats 48% | 110 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.47% | 0.01% | 0.30% | 1.10% | Beats 3% | 203 / 208 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 35% | 136 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 9.36% | 11.72% | 14.45% | 19.57% | Beats 3% | 205 / 211 | |
| Total Risk-Based Capital Ratio | 9.36% | 11.94% | 14.78% | 20.30% | Beats 3% | 205 / 211 | |
| Equity / Assets | 6.44% | 9.41% | 11.06% | 12.94% | Beats 3% | 204 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 53.33% | 45.39% | 66.56% | 82.03% | 30th pctl | 146 / 208 | |
| Loans / Assets | 49.77% | 39.13% | 56.90% | 70.46% | 34th pctl | 139 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |