BlastPoint's Banking Scorecard
InterBank
Designations: ✓ Community bank
Oklahoma City, OK
47 branches across TX · OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
- Deposits +5.2% year over year ($4.6B on the books).
- Delinquency rate 1.58%.
- Return on assets 3.22%.
- Efficiency ratio 33.63% vs a 59.73% peer average.
- Loan-to-deposit ratio 103.22% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
InterBank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.83% above tier average
- + Net Interest Margin 0.98% above tier average
- + Efficiency Ratio 26.10% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 18.18% above tier average
- - Delinquency Rate 0.71% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.3B
+6.4% YoY
-2.7% QoQ
|
+$2.5B |
$2.8B
-0.6% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Top 13.2% in tier |
| Total Loans ? |
$4.7B
+8.0% YoY
-2.3% QoQ
|
+$2.7B |
$2.0B
-0.3% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Top 7.8% in tier |
| Total Deposits ? |
$4.6B
+5.2% YoY
-5.4% QoQ
|
+$2.2B |
$2.3B
-0.5% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Top 12.4% in tier |
| Return on Assets ? |
3.22%
-13.2% YoY
+3.1% QoQ
|
+1.83% |
1.39%
+17.0% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 1.9% in tier |
| Net Interest Margin ? |
4.85%
-10.5% YoY
+2.7% QoQ
|
+0.98% |
3.87%
+6.2% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 7.0% in tier |
| Efficiency Ratio ? |
33.63%
+5.6% YoY
-1.2% QoQ
|
-26.10% |
59.73%
-12.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 3.6% in tier |
| Delinquency Rate ? |
1.58%
+134.5% YoY
+3.1% QoQ
|
+0.71% |
0.87%
+11.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.2% in tier |
| Loan-to-Deposit Ratio ? |
103.22%
+2.7% YoY
+3.2% QoQ
|
+18.18% |
85.04%
-0.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.75%
-6.9% YoY
+6.2% QoQ
|
-0.52% |
21.27%
-1.5% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.41%
+136.8% YoY
+4.7% QoQ
|
+0.74% |
0.67%
+11.7% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.9% in tier |
| Tier 1 Capital Ratio ? |
11.06%
+11.7% YoY
+6.4% QoQ
|
-3.78% |
14.84%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.12%
-24.6% YoY
+104.0% QoQ
|
-0.41% |
0.53%
+2.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.7%
-1.5pp YoY +1.2pp QoQ |
-0.6pp | 21.4% | 23.9% | 22.2% | 55% |
| Brokered Deposits |
5.4%
+1.8pp YoY -3.9pp QoQ |
-4.0pp | 9.5% | 9.7% | 8.5% | 51% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.2%
+4.5pp YoY +2.7pp QoQ |
+14.2pp | 14.0% | 15.7% | 12.5% | 90% |
| CRE |
57.8%
-5.9pp YoY -3.5pp QoQ |
+7.7pp | 50.0% | 42.0% | 41.4% | 70% |
| 1-4 Family |
4.1%
0.0pp YoY +0.1pp QoQ |
-22.3pp | 26.4% | 24.0% | 31.3% | 6% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 5.6% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
11.1%
+0.2pp YoY +0.7pp QoQ |
-0.3pp | 11.3% | 11.7% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 16.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
506
-13 (-2.5%) YoY -7 (-1.4%) QoQ |
+192 | 313 | 150 | 482 | 84% |
| Assets per Employee ($) |
$10.5M
+9.2% YoY -1.4% QoQ |
+$51K | $10.5M | $6.5M | $8.8M | 70% |
| Branch Count |
47
0 YoY 0 QoQ |
+27 | 20 | 8 | 18 | 93% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 0.2% | 0.9% | 0.4% | 80% |
| Nonaccrual |
1.5%
+1.0pp YoY 0.0pp QoQ |
+0.6pp | 0.8% | 1.5% | 1.0% | 85% |
| Allowance Coverage |
0.49x
-60.4% YoY -1.0% QoQ |
-18.22x | 18.71x | 61.99x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
27.3%
-3.4pp YoY +0.1pp QoQ |
+14.7pp | 12.6% | 11.9% | 11.6% | 97% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.8% | 1.7% | 56% |
| Net Income ($, YTD) |
$87.2M
-0.7% YoY — QoQ |
+$68.0M | $19.2M | $8.7M | $40.4M | 98% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.