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Idabel National Bank, The

Idabel, OK · Cert 4241 · Southeast Capital Corp.

National charter · OCC · 1 branch

Q2 2026

$242.3MAssets
$156.3MLoans
$201.7MDeposits
$37.3MEquity
Loan mix
94%RE $154.3M2%C&I $4.1M4%Consumer $6.2MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $164.0M19%Noninterest $37.6MQ2 2025Q2 2026

NIM

5.59%Q2 ’245.21%Q2 ’255.42%Q2 ’26-4%+17%

Non-interest income vs. expense

1.62%Q2 ’241.78%Q2 ’251.75%Q2 ’26+16%-5%

Executive Summary

  • Earnings: ROA of 0.99%, up 44 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 8.39% of loans (-25 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 16.18%, up 141 bps from a year ago.
  • Funding: loans stand at 77.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.99%+44 bps YoY

Net Interest Margin (quarter, annualized)

3.61%+53 bps YoY

Efficiency Ratio (quarter, annualized)

45.54%-900 bps YoY

Tier 1 Leverage Ratio

16.18%+141 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.45%0.37%0.84%0.99%+44 bps
Return on Equity4.11%3.24%2.58%5.71%6.57%+246 bps
Net Interest Margin3.08%3.12%3.16%3.18%3.61%+53 bps
Efficiency Ratio54.54%50.17%64.71%52.82%45.54%-900 bps
Non-Interest Burden1.59%1.28%2.05%1.58%1.52%-8 bps
Growth
Asset Growth (YoY)-7.15%-7.81%-2.66%-2.25%-4.10%+306 bps
Loan Growth (YoY)-11.16%-11.61%-11.73%-12.40%-15.04%-389 bps
Deposit Growth (YoY)-7.76%-8.73%-1.52%-1.90%-5.20%+256 bps
Asset Quality
Nonperforming Loans / Loans8.64%9.03%9.60%9.40%8.39%-25 bps
Net Charge-Offs / Loans0.75%1.28%0.41%0.44%0.47%-28 bps
Allowance / Loans2.65%2.83%3.09%3.29%3.50%+85 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.4x0.4x+0.1x
Capital
Tier 1 Leverage Ratio14.76%15.10%15.25%15.49%16.18%+141 bps
Total Risk-Based Capital20.89%21.66%22.42%23.28%24.81%+392 bps
Equity / Assets13.64%14.46%14.52%14.82%15.40%+176 bps
Liquidity & Funding
Loans / Deposits86.49%85.52%80.60%79.14%77.51%-898 bps
Liquid Assets / Assets0.13%0.02%0.15%0.03%0.03%-10 bps
CRE / Total Capitaln/a337%318%307%n/an/a