InterBank (FDIC certificate #27210) is based in Oklahoma City, Oklahoma. Its Q2 2026 call report shows $5.3B in total assets and $4.6B in deposits and 47 offices across 2 states.
Based on its Q2 2026 filing, InterBank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 121st. Its strongest component is earnings (100/100; 3.22%), and its lowest is funding & liquidity (28/100; 103% loans-to-deposits, 41% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (71 → 62), mostly because the loan quality component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 76 |
| Q4 2024 | 71 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 72 |
| Q4 2025 | 71 |
| Q1 2026 | 61 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.37% |
| Q3 2024 | 11.83% |
| Q4 2024 | 10.26% |
| Q1 2025 | 10.75% |
| Q2 2025 | 10.87% |
| Q3 2025 | 10.85% |
| Q4 2025 | 10.07% |
| Q1 2026 | 10.40% |
| Q2 2026 | 11.06% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.56% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.56% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.12% |
| Q3 2024 | 3.85% |
| Q4 2024 | 3.82% |
| Q1 2025 | 3.67% |
| Q2 2025 | 3.71% |
| Q3 2025 | 3.66% |
| Q4 2025 | 3.60% |
| Q1 2026 | 3.12% |
| Q2 2026 | 3.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $5.3B | 11.06% | 1.56% | 3.22% | 103.2% |
| Q1 2026 | 61 | $5.5B | 10.40% | 1.52% | 3.12% | 100.0% |
| Q4 2025 | 71 | $5.5B | 10.07% | 0.56% | 3.60% | 97.4% |
| Q3 2025 | 72 | $5.2B | 10.85% | 0.59% | 3.66% | 100.0% |
| Q2 2025 | 71 | $5.0B | 10.87% | 0.67% | 3.71% | 100.6% |
| Q1 2025 | 70 | $4.7B | 10.75% | 0.66% | 3.67% | 100.9% |
| Q4 2024 | 71 | $4.5B | 10.26% | 0.46% | 3.82% | 97.7% |
| Q3 2024 | 76 | $4.5B | 11.83% | 0.47% | 3.85% | 97.2% |
| Q2 2024 | 69 | $4.5B | 11.37% | 1.02% | 4.12% | 98.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stride Bank, National AssociationBank Enid, OK | 69 out of 100, Moderate | $5.4B | 8.4% | 0.48% | vs |
| RCB BankBank Claremore, OK | 72 out of 100, Strong | $4.0B | 10.7% | 0.94% | vs |
| First Fidelity BankBank Oklahoma City, OK | 69 out of 100, Moderate | $3.0B | 10.2% | 0.46% | vs |
| Armstrong BankBank Muskogee, OK | 74 out of 100, Strong | $2.8B | 10.4% | 0.25% | vs |
| Regent BankBank Tulsa, OK | 43 out of 100, Below average | $2.2B | 9.9% | 2.51% | vs |
| Gateway First BankBank Jenks, OK | 54 out of 100, Below average | $2.1B | 14.1% | 4.36% | vs |
Deposit insurance
Is my money safe at InterBank?
Yes. InterBank is an FDIC-insured institution (FDIC certificate #27210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.0% of deposits ($1.9B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
47 locations
Branches
InterBank lists 40 offices in 36 cities across 2 states. Most locations:
- Oklahoma City, OK (3)
- Dallas, TX (2)
- Stephenville, TX (2)
- Aledo, TX (1)
- Bluff Dale, TX (1)
- Borger, TX (1)
- Breckenridge, TX (1)
- Canadian, TX (1)
- Childress, TX (1)
- Clinton, OK (1)
- Coleman, TX (1)
- Edmond, OK (1)
HMDA 2025
Mortgage lending
In 2025, InterBank reported 421 home-loan applications under HMDA (LEI 549300T2PYPUFN0IWJ63): 310 originated ($178,140,000 total), 40 denied, and 67 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- InterBank
- Former names
- Union Bank and Trust Company; Union Bank, National Association; Union Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 27210
- RSSD ID
- 1187001
- Primary regulator
- FED
- Holding company
- Olney Bancshares of Texas Inc
- Established
- March 31, 1988
- Headquarters
- 4921 N May Ave, Oklahoma City, OK 73112
- Website
- www.interbank.com
- Employees
- 506
Quick answers
InterBank: common questions
Is InterBank FDIC insured?
Yes. InterBank is an FDIC-insured institution (FDIC certificate #27210). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is InterBank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has InterBank ever failed?
There is no failure record for FDIC certificate #27210 in the FDIC failed bank list.
How many branches does InterBank have?
47 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Oklahoma City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oklahoma Federal Credit UnionCredit union Oklahoma City, OK | 91 out of 100, Very strong | $198.9M | 20.2% | 0.24% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Correctional Workers Federal Credit UnionCredit union El Reno, OK | 88 out of 100, Very strong | $10.5M | 17.9% | 0.19% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK | 85 out of 100, Very strong | $213.5M | 16.3% | 0.20% | vs |