TellerScore

Interstate Bank is a state-chartered bank headquartered in Perryton, Texas, in business for about 69 years. At the end of Q2 2026 it reported $288.4M in total assets and $269.1M in deposits, with 2 offices.

Interstate Bank has a TellerScore of 40 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 345th. Earnings contributes the most (71/100, 1.28%); loan quality contributes the least (0/100, 3.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.36%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.47%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 51.9% · 68.1% uninsured
Problem-loan coverage55/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 22.32%

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 22 points (62 → 40), mostly because the loan quality component weakened by 47 points.

TellerScore
365063Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202453
Q4 202455
Q1 202563
Q2 202562
Q3 202545
Q4 202536
Q1 202639
Q2 202640
Tier 1 leverage ratio
5.00%7.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.60%
Q3 20249.75%
Q4 20249.62%
Q1 20259.86%
Q2 202510.02%
Q3 202510.19%
Q4 20259.43%
Q1 20269.30%
Q2 20269.36%
Noncurrent loans
1.34%2.88%4.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.87%
Q3 20241.66%
Q4 20241.45%
Q1 20251.34%
Q2 20251.58%
Q3 20254.24%
Q4 20254.42%
Q1 20264.24%
Q2 20263.47%
Return on assets
0.96%1.49%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.16%
Q3 20241.38%
Q4 20241.25%
Q1 20252.02%
Q2 20252.02%
Q3 20251.84%
Q4 20250.96%
Q1 20261.29%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202640$288.4M9.36%3.47%1.28%51.9%
Q1 202639$292.3M9.30%4.24%1.29%50.5%
Q4 202536$275.7M9.43%4.42%0.96%54.5%
Q3 202545$271.8M10.19%4.24%1.84%60.1%
Q2 202562$275.3M10.02%1.58%2.02%60.7%
Q1 202563$277.7M9.86%1.34%2.02%61.8%
Q4 202455$281.8M9.62%1.45%1.25%62.0%
Q3 202453$266.3M9.75%1.66%1.38%70.6%
Q2 202448$263.9M9.60%1.87%1.16%70.3%

2,650 peers · $100 million – $1 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).

Capital ratio9.36%
18th
Total risk-based capital0.00%
24th
Problem loans3.47%
4th
Net charge-offs-2.51%
100th
Return on assets1.28%
52nd
Net interest margin3.31%
20th
Efficiency ratio64.5%
44th
Loans to deposits51.9%
90th
Uninsured deposits68.1%
1st
Loan-loss reserves2.62%
97th
Texas ratio22.3%
4th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
One World BankBank Dallas, TX67 out of 100, Moderate$290.1M13.2%0.00%vs
Victory BankBank Lubbock, TX77 out of 100, Strong$284.8M12.1%0.05%vs
Charter BankBank Corpus Christi, TX58 out of 100, Moderate$292.3M11.3%2.78%vs
The Jacksboro National BankBank Jacksboro, TX83 out of 100, Strong$283.2M11.4%0.01%vs
Coleman County State BankBank Coleman, TX78 out of 100, Strong$295.1M8.6%0.05%vs
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs

Deposit insurance

Is my money safe at Interstate Bank?

Yes. Interstate Bank is an FDIC-insured institution (FDIC certificate #31043). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 68.1% of deposits ($183.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.36%, 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%).

Check how much of your own balance is covered

2 locations

Branches

Interstate Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Interstate Bank
Former names
Interstate Bank, ssb; Interstate Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
31043
RSSD ID
791072
Primary regulator
FDIC
Holding company
Isb Holdings Inc
Established
January 1, 1957
Headquarters
301 S Main St, Perryton, TX 79070
Employees
33

Quick answers

Interstate Bank: common questions

Is Interstate Bank FDIC insured?

Yes. Interstate Bank is an FDIC-insured institution (FDIC certificate #31043). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Interstate Bank's TellerScore?

40 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Interstate Bank ever failed?

There is no failure record for FDIC certificate #31043 in the FDIC failed bank list.

How many branches does Interstate Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Perryton

InstitutionScoreAssetsCapitalProblem loansCompare
The Perryton National BankBank Perryton, TX88 out of 100, Very strong$212.7M16.4%0.36%vs
Northeast Panhandle Teachers Federal Credit UnionCredit union Perryton, TX81 out of 100, Strong$22.0M21.4%0.79%vs
Anchor D BankBank Texhoma, OK80 out of 100, Strong$404.5M10.5%0.00%vs
FirstBank SouthwestBank Amarillo, TX73 out of 100, Strong$1.9B11.2%0.41%vs
Panhandle First BankBank Guymon, OK56 out of 100, Moderate$568.7M13.0%2.34%vs
First State BankBank Spearman, TX53 out of 100, Below average$184.0M12.6%4.44%vs