Idabel National Bank, The
Idabel, OK · Cert 4241 · Peer group: banks under $1B in assets in OK (n=88-89) · Southeast Capital Corp.
National charter · OCC · 1 branch
Q2 2026
$242.3MAssets
$156.3MLoans
$201.7MDeposits
$37.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of banks under $1B in assets in OK (rank 7 of 89).
- Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in OK (rank 87 of 88).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.94%
Rank 64 of 89
Net Interest Margin
3.45%
Rank 68 of 89
Efficiency Ratio
49.02%
Rank 13 of 89
Equity / Assets
15.40%
Rank 11 of 89
Non-interest income vs. expense
Unfavorable gap of $3.9M · efficiency ratio beats 87% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.85% | 1.26% | 1.60% | Beats 28% | 64 / 89 | | |
| Return on Equity | 6.11% | 7.40% | 11.89% | 14.65% | Beats 18% | 73 / 89 | | |
| Net Interest Margin | 3.45% | 3.46% | 3.93% | 4.45% | Beats 24% | 68 / 89 | | |
| Efficiency Ratio | 49.02% | 54.70% | 60.95% | 71.14% | Beats 87% | 13 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.39% | 0.30% | 0.82% | 2.25% | Beats 2% | 87 / 88 | | |
| Net Charge-Offs / Loans | 0.46% | 0.00% | 0.03% | 0.20% | Beats 15% | 76 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 23.53% | 10.89% | 13.00% | 16.33% | Beats 92% | 7 / 89 | | |
| Total Risk-Based Capital Ratio | 24.81% | 11.20% | 13.06% | 16.33% | Beats 92% | 7 / 89 | | |
| Equity / Assets | 15.40% | 9.26% | 10.94% | 13.52% | Beats 88% | 11 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.51% | 61.51% | 72.27% | 84.01% | 57th pctl | 38 / 88 | | |
| Loans / Assets | 64.52% | 52.51% | 63.15% | 71.27% | 52nd pctl | 43 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |