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The Idabel National Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4241

Idabel, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -5.2% year over year ($201.7M on the books).
  • Delinquency rate 8.70%.
  • Return on assets 0.92%.
  • Efficiency ratio 49.02% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

The Idabel National Bank has 1 strength but faces 6 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

  • + Efficiency Ratio 15.46% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 27.8% in tier
  • - Deposit Outflow: Bottom 46.9% in tier
  • - Delinquency Rate 7.78% above tier average
  • - Nonperforming Asset Ratio 5.04% above tier average
  • - ROA 0.41% below tier average
  • - Net Interest Margin 0.49% below tier average
Get updates when The Idabel National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $242.3M
-4.1% YoY -3.4% QoQ
-$144.3M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $150.8M
-15.8% YoY -5.8% QoQ
-$107.5M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $201.7M
-5.2% YoY -3.6% QoQ
-$125.1M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 0.92%
+50.5% YoY +9.4% QoQ
-0.41% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 3.49%
+12.9% YoY +6.3% QoQ
-0.49% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 49.02%
-12.6% YoY -7.2% QoQ
-15.46% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Top 14.9% in tier
Delinquency Rate ? 8.70%
-2.0% YoY -10.5% QoQ
+7.78% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 0.4% in tier
Loan-to-Deposit Ratio ? 74.79%
-11.2% YoY -2.3% QoQ
-3.16% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 18.66%
+10.2% YoY +4.4% QoQ
-3.37% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 5.71%
-10.1% YoY -11.2% QoQ
+5.04% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 0.6% in tier
Tier 1 Capital Ratio ? 23.53%
+19.9% YoY +6.9% QoQ
+7.63% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Top 8.3% in tier
Non-Interest Income / Assets ? 0.11%
+0.2% YoY +113.3% QoQ
-0.45% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
23%

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 18.7%
+1.7pp YoY
+0.8pp QoQ
 -3.5pp 22.1% 23.9% 22.2% 38%
Brokered Deposits 21.0%
-3.8pp YoY
+1.0pp QoQ
 +13.1pp 7.9% 9.7% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 2.8%
+0.1pp YoY
+0.3pp QoQ
 -8.7pp 11.6% 15.7% 12.5% 9%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 17.5%
+1.5pp YoY
+0.6pp QoQ
 -15.1pp 32.6% 24.0% 31.3% 24%
Consumer 3.7%
-0.6pp YoY
-0.2pp QoQ
 -0.4pp 4.1% 5.6% 5.0% 67%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 23.5%
+3.9pp YoY
+1.5pp QoQ
 +4.7pp 18.8% 17.0% 19.7% 86%
Leverage Ratio 16.2%
+1.4pp YoY
+0.7pp QoQ
 +4.0pp 12.2% 11.7% 12.6% 91%
Total Capital Ratio 24.8%
+3.9pp YoY
+1.5pp QoQ
 +4.9pp 19.9% 18.2% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 30
-3 (-9.1%) YoY
0 QoQ
 -29 58 150 482 26%
Assets per Employee ($) $8.1M
+5.5% YoY
-3.4% QoQ
 +$558K $7.5M $6.5M $8.8M 69%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 8.7%
+0.2pp YoY
-1.0pp QoQ
 +7.8pp 0.9% 1.5% 1.0% 100%
Allowance Coverage 0.42x
+35.9% YoY
+19.0% QoQ
 -23.74x 24.15x 61.99x 20.23x 7%
Net Charge-off Rate (YTD) 0.4%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 0.1% 0.2% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 6.2%
+1.6pp YoY
+0.4pp QoQ
 -6.0pp 12.2% 11.9% 11.6% 18%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 64%
Net Income ($, YTD) $1.1M
+46.0% YoY
— QoQ
 -$1.4M $2.6M $8.7M $40.4M 31%

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 (2)

Liquidity Overhang

risk
#207 of 742 • Bottom 27.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.53%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 74.79%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#252 of 535 • Bottom 46.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

221
Tier 1 Capital Ratio
capital
Value: 23.53%
Peer Median: 15.91%
#221 of 2643 Top 8.3% in $100M-$1B
394
Efficiency Ratio
profitability
Value: 49.02%
Peer Median: 64.48%
#394 of 2643 Top 14.9% in $100M-$1B

Top Weaknesses (3 metrics)

2624
Delinquency Rate
credit_quality
Value: 8.70%
Peer Median: 0.92%
#2624 of 2633 Bottom 0.4% in $100M-$1B
2627
Nonperforming Asset Ratio
credit_quality
Value: 5.71%
Peer Median: 0.67%
#2627 of 2643 Bottom 0.6% in $100M-$1B
2045
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2045 of 2643 Bottom 22.7% in $100M-$1B
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