Interbank
Oklahoma City, Oklahoma · FDIC Cert #27210
Interbank is an FDIC-insured bank (Certificate #27210) with $4.5B in total assets and $3.9B in total deposits as of the Q2 2024 Call Report. Headquartered in Oklahoma City, Oklahoma, the bank maintains a Tier 1 capital ratio of 10.78% (Well-Capitalized) and a nonperforming loan ratio of 1.02%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Interbank (FDIC cert 27210) is a mid-sized bank with $4.5B in total assets and $3.9B in deposits, based in Oklahoma City, Oklahoma. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 10.78% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.02% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 10.0% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 4.12% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Interbank carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Interbank
- Total Assets
- $4.5B
- Total Deposits
- $3.9B
- Tier 1 Capital Ratio
- 10.78%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.02%
- Liquidity Ratio
- 9.98%
- Return on Assets
- 4.12%
- Headquarters
- Oklahoma City, Oklahoma
- FDIC Certificate
- #27210
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Interbank holds a Tier 1 capital ratio of 10.78%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Interbank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Interbank shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Interbank Compares
Interbank’s Health Score of 63 is 1 points below the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 10.78% Tier 1 capital ratio is 3.2 points below the US banking industry average near 14%. The 1.02% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 4.12% is in line with or above the national ROA benchmark of ~1.1%. Among 327 similarly-sized banks, the average Health Score is 74, meaning this bank ranks below its size cohort. Site-wide, Interbank is 7 points below the portfolio average of 70.
Frequently Asked Questions
Interbank has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.78%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Interbank's Tier 1 capital ratio of 10.78% and nonperforming loan ratio of 1.02% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Interbank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27210). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Interbank holds $4.5B in total assets and $3.9B in total deposits. It is headquartered in Oklahoma City, Oklahoma (FDIC Certificate #27210).
Interbank has a Tier 1 capital ratio of 10.78%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.02%, and the return on assets is 4.12%.
Yes. Interbank is FDIC-insured (Certificate #27210). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Interbank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.