BlastPoint's Banking Scorecard

InterBank

$1B-$10B Specialty: Commercial OK FDIC cert 27210

Designations: ✓ Community bank

Oklahoma City, OK

47 branches across TX · OK

884 banks in the $1B-$10B peer group nationally 21 in OK

InterBank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.76% above tier average
+ Net Interest Margin 0.90% above tier average
+ Efficiency Ratio 27.02% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 61.1% in tier
- Delinquency Rate 0.64% above tier average

Get updates when InterBank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$5.5B +17.2% YoY +0.5% QoQ	+$2.7B	$2.8B -0.1% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 12.8% in tier
Total Loans ?	$4.8B +17.0% YoY +2.8% QoQ	+$2.9B	$2.0B +0.6% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 7.7% in tier
Total Deposits ?	$4.8B +18.0% YoY +0.1% QoQ	+$2.5B	$2.3B -0.3% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 11.7% in tier
Return on Assets ?	3.12% -14.9% YoY -13.4% QoQ	+1.76%	1.37% +19.6% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 2.1% in tier
Net Interest Margin ?	4.72% -13.6% YoY -10.7% QoQ	+0.90%	3.82% +6.9% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 8.0% in tier
Efficiency Ratio ?	34.04% +6.4% YoY +6.5% QoQ	-27.02%	61.06% -4.6% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 3.8% in tier
Delinquency Rate ?	1.53% +130.7% YoY +171.1% QoQ	+0.64%	0.89% +14.1% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	99.98% -0.9% YoY +2.7% QoQ	+15.78%	84.20% +0.3% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 13.7% in tier
Non-Interest-Bearing Deposit Share ?	19.54% -15.4% YoY -2.9% QoQ	-1.75%	21.29% -2.5% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	1.35% +127.5% YoY +171.0% QoQ	+0.67%	0.67% +15.6% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 12.6% in tier
Tier 1 Capital Ratio ?	10.40% +6.0% YoY +5.8% QoQ	-4.76%	15.16% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 7.6% in tier
Non-Interest Income / Assets ?	0.06% -8.5% YoY -77.7% QoQ	-0.20%	0.26% +1.6% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Bottom 12.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#23 of 36 • Bottom 61.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 19.54%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 3.12%

Peer Median: 1.37%

#20 of 884 Top 2.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 34.04%

Peer Median: 61.06%

#35 of 884 Top 3.8% in $1B-$10B

Total Loans

size

Value: $4.82B

Peer Median: $1.96B

#69 of 884 Top 7.7% in $1B-$10B

Net Interest Margin

profitability

Value: 4.72%

Peer Median: 3.82%

#72 of 884 Top 8.0% in $1B-$10B

104

Total Deposits

size

Value: $4.82B

Peer Median: $2.34B

#104 of 884 Top 11.7% in $1B-$10B

114

Total Assets

size

Value: $5.48B

Peer Median: $2.82B

#114 of 884 Top 12.8% in $1B-$10B

Top Weaknesses (5 metrics)

818

Tier 1 Capital Ratio

capital

Value: 10.40%

Peer Median: 15.16%

#818 of 884 Bottom 7.6% in $1B-$10B

776

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#776 of 884 Bottom 12.3% in $1B-$10B

774

Nonperforming Asset Ratio

credit_quality

Value: 1.35%

Peer Median: 0.67%

#774 of 884 Bottom 12.6% in $1B-$10B

764

Loan-to-Deposit Ratio

liquidity

Value: 99.98%

Peer Median: 84.20%

#764 of 884 Bottom 13.7% in $1B-$10B

747

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.89%

#747 of 880 Bottom 15.2% in $1B-$10B