BlastPoint's Banking Scorecard
InterBank
Mid-Market
Specialty: Commercial
OK
FDIC cert 27210
Designations: ✓ Community bank
Oklahoma City, OK
201
banks in Mid-Market tier nationally
3 in OK
View Mid-Market leaderboard (OK) →
InterBank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 50% in Mid-Market
- + Net Interest Margin 1.89% above tier
- + Efficiency Ratio 24.65% below tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 38% in Mid-Market
- - Tier 1 Capital Ratio 3.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.5B
+20.4% YoY
+5.0% QoQ
|
-$5.0B |
$10.5B
+2.9% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$4.7B
+21.2% YoY
+3.1% QoQ
|
-$2.4B |
$7.1B
+4.5% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$4.8B
+21.7% YoY
+5.9% QoQ
|
-$3.7B |
$8.5B
+3.0% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
3.60%
-5.8% YoY
-1.7% QoQ
|
+2.44% |
1.16%
+9.4% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.29%
-10.6% YoY
-1.6% QoQ
|
+1.89% |
3.40%
+7.9% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
31.96%
+1.3% YoY
+0.2% QoQ
|
-24.65% |
56.60%
-3.2% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.56%
+20.7% YoY
-4.9% QoQ
|
-0.12% |
0.68%
+12.0% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
97.37%
-0.4% YoY
-2.7% QoQ
|
+11.89% |
85.47%
+1.1% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
20.12%
-16.3% YoY
-5.4% QoQ
|
-0.52% |
20.64%
-0.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.50%
+22.0% YoY
-5.8% QoQ
|
0 |
0.50%
+7.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.82%
-1.0% YoY
-3.4% QoQ
|
-3.73% |
13.55%
+1.8% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Bottom 8% in tier |
| Non-Interest Income / Assets ? |
0.26%
-15.6% YoY
+23.1% QoQ
|
-0.70% |
0.96%
+7.1% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#26 of 51 · Top 50% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
3.60%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Net Interest Margin
metric
Top 4%
in Mid-Market
Why this stands out
Current:
5.29%
(Tier avg: 3.40%, National avg: 3.75%)
Efficiency Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
31.96%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (2)
NIB Deposit Bleed
decline
#4 of 9 · Bottom 38% in Mid-Market
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:
20.12%
(Tier: 20.64%, National: 21.79%)
9 of 9 Mid-Market banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
9.82%
(Tier avg: 13.55%, National avg: 9.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.60% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.40%
93
93th pctile
Efficiency Ratio
Current: 31.96% · Tier avg: 56.60%
84
84th pctile
Loan-to-Deposit Ratio
Current: 97.37% · Tier avg: 85.47%
51
51th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.68%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.12% · Tier avg: 20.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
32
32th pctile
Total Loans
Current: $4.7B · Tier avg: $7.1B
15
15th pctile
Total Deposits
Current: $4.8B · Tier avg: $8.5B
12
12th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
8
8th pctile
Tier 1 Capital Ratio
Current: 9.82% · Tier avg: 13.55%
8
8th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
Top Weaknesses
8
8th pctile
Total Assets
Current: $5.5B · Tier avg: $10.5B
8
8th pctile
Tier 1 Capital Ratio
Current: 9.82% · Tier avg: 13.55%
12
12th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
15
15th pctile
Total Deposits
Current: $4.8B · Tier avg: $8.5B
32
32th pctile
Total Loans
Current: $4.7B · Tier avg: $7.1B
42
42th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.12% · Tier avg: 20.64%
51
51th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.68%
84
84th pctile
Loan-to-Deposit Ratio
Current: 97.37% · Tier avg: 85.47%
93
93th pctile
Efficiency Ratio
Current: 31.96% · Tier avg: 56.60%
96
96th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.40%
99
99th pctile
Return on Assets
Current: 3.60% · Tier avg: 1.16%