# INTERBANK
OKLAHOMA CITY, OK · FDIC certificate 27210 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.33B | |
| Deposits | $4.56B | |
| Loans and leases | $4.74B | |
| Total equity | $663.3M | |
| Loans / deposits | 103.22% (p91 of band) | 87.10% |
| Liquid assets / assets | 7.70% (p3 of band) | |
| Uninsured deposits / deposits | 41.01% (p76 of band) | 30.76% |
| Brokered deposits | 4.65% | |
| Wholesale funding | 6.25% (p51 of band) | |
| FHLB advances / assets | 1.59% | |
| Tier 1 leverage | 11.06% (p61 of band) | 10.50% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 3.22% (p98 of band) | 1.26% |
| Net interest margin | 4.85% (p93 of band) | 3.70% |
| Efficiency ratio | 33.63% (p5 of band) | |
| Noncurrent loans | 1.56% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 48.78% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 132.45% (p96 of band) | |
| Auto loans | $8.4M (0.18% of loans; DQ 2.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 506 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | liquid assets <10% |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 3 | liquid assets <10% |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving, liquid assets <10% |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 1 |  | noncurrent p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | liquid assets <10% |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | loans exceed deposits |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | uninsured deposits leaving |  |
| 2017-03 | 4 | construction >100% equity | uninsured deposits leaving |
| 2017-06 | 6 | brokered >10%, uninsured deposits leaving |  |
| 2017-09 | 5 | wholesale funding >15% | construction >100% equity, brokered >10% |
| 2017-12 | 4 | brokered >10% | uninsured deposits leaving, wholesale funding >15% |
| 2018-03 | 3 |  | loans exceed deposits |
| 2018-06 | 1 |  | liquid assets <10%, brokered >10% |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 3 | losing money, charge-offs p90 | noncurrent p90 |
| 2019-06 | 3 | capital falling | losing money |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 4 | liquid assets <10%, noncurrent p90 |  |
| 2020-03 | 5 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2020-06 | 2 |  | liquid assets <10%, deposits shrinking, assets shrinking |
| 2020-09 | 4 | liquid assets <10%, capital falling |  |
| 2020-12 | 1 |  | noncurrent p90, liquid assets <10%, capital falling |
| 2021-03 | 2 | noncurrent p90 |  |
| 2021-06 | 1 |  | noncurrent p90 |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 3 | run vulnerability, reserve under noncurrent |  |
| 2022-06 | 2 | noncurrent p90 | uninsured deposits >50%, run vulnerability |
| 2022-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-12 | 3 | liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2023-03 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 1 | reserve under noncurrent | liquid assets <10%, construction >100% equity |
| 2023-12 | 2 | construction >100% equity |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | liquid assets <10% |  |
| 2024-09 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2024-12 | 2 | liquid assets <10% |  |
| 2025-03 | 3 | loans exceed deposits |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | brokered >10%, capital falling | liquid assets <10%, loans exceed deposits |
| 2026-03 | 3 | liquid assets <10%, reserve under noncurrent | brokered >10%, capital falling |
| 2026-06 | 4 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [Bank fraud results in prison term and $874K in restitution | News | swoknews.com - The Lawton Constitution](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOUFlZU2JyLUJUY04wak94U3ZXd3ZmLTUwRGEyUTdiOWtyVV90eV8wM1FUZUZHRTlXbkdIbG9uSEF1T20zVzdWWlJSTlpNU3hIZGM2a2ZDblVjU192R0tEM3Zhc2xWUkxpaEV4R21DQWk0bU8yNFpBbmRyc1NzRzlNRjdxS0Z4QzBHSW5FVXQ3dE1nTmZLNVIzM0NDemRpaGVUNmRSWVdJRlF3bkRLRDhRVC0wc3kwSER6bDZNZld2WkhRbjB1OUswWjFER0RWVC1DSUxZ?oc=5) · The Lawton Constitution
- 2025-12-16 [Oklahoma's Armstrong Bank pushes into Dallas - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOdVpkdUY3M0szZHhKZGthejFRN2RBT2RwYXBzS1FHcjRZOWJoa1cya294bjlGSVNXUkVPNTFTdDBJOWVwb2tCU2xwUV9RUHFUMkVoc1k1MmxvdGRZSl9oY0xnNFFSX0VtY0xGY1plWkxSbUZYc2I4c1pJa0JGZzRUWnlpNGJ3bEtHSHBJQWxkd084czg5eGQ0YnZEa20xMlY5NUlJQlQtVQ?oc=5) · The Business Journals
- 2025-05-16 [Dover resident pleads guilty to committing bank fraud at InterBank in Kingfisher - KOKH](https://news.google.com/rss/articles/CBMiuwJBVV95cUxQLU5GTnRZRnNaWGFZX1VJTFpBTFZwNFlaVUZxUDQ5ZENDSXdIRkM0S1lrOHgxS2EwRHRtU3E5MDRfUUVQeUFhcjVfZ2EwNGJLUnJTMU13bzZmSEk2ZTRqS2RVRDZDZEFBa0hKTzM2bklDRWhibU1lNEQwOHRZaTNHQU1Rb3BsZnkzcjNKdkdIM1FOd3lJOVZCb2I0LUpGVmlSRWhVTVJnR3FxbDhwZ1VtelA3cFgtU0UzME1HTFhaaWtZcGtQTnNra1hEaF9qak9jUERIV0ZZZmFQZzlFMlFXV3NNaUltaHpUSnRiTFU3SGwyTllrcndodnNQRlNaTmhoOUdyOGdDdHpFNDZCTGNjQjZYZm5HYklsOW51TXhaVGpqYzFpLXo5cVdORFNXRGJyTVNiQUQ0ek1yMXc?oc=5) · KOKH
- 2022-09-15 [Randy Biggs Joins InterBank - Dallas Weekly](https://news.google.com/rss/articles/CBMibkFVX3lxTFBaRDFrSVk4MTlsa3RCVmktenZMTElhdmIxZGtOd2UwbDYxTmsyRlpwcFUtTk1ZOHNNaTRzbXpNWUNtd2ZEX1FiVmduNTA1NlBZd3I4Y1V4cmpZRVU0T1h0bi01eEhzZS1WcjQ4TEJn?oc=5) · Dallas Weekly
- 2018-04-23 [Biggest ag lenders are out-of-state banks - journalrecord.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPRTRJY1FOel92RFI0eWhnbHFJTDRwZEx4RjFlanlYWUlmWFJxYWZDMkVsTzAtQ25MaFNmU0ZLSUxvdlNnS295X1c4QVAtd2dPX0N5Unc5b01hbDlyc1NBbmtzTm9nclpDQWdvVDE0SUsyaVFmcXdMNk1ScW1CUUs2a3pTMGU4dw?oc=5) · journalrecord.com
- 2023-05-02 [Deana Tillotson – InterBank - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMiekFVX3lxTE5KajZXWlBRZnlWUk1NOGhuOGpMWXVqNWNLdTFCM1AyLUk0NmdJNHlCMTdLTnFrWDh5V29NNnZMXzU1eU02SHB4UFlhWUFCZEN1WnZHdHBwRGVTcDJ3SUJQOGVPWXgzRnZVSG5ackVLcUYtUEdSRzkydDVR?oc=5) · Vanguard Law Magazine
- 2020-02-25 [Brian Sterkel promoted to bank president at Interbank - Guthrie News Page](https://news.google.com/rss/articles/CBMiigFBVV95cUxQUERqVkFiam1uRVR2R1RHVHJ6UUpPdXlPRk96OFdZTnd1SE9qMzUtVWJZUEt1OGVxMFhheUlNYXVPMTlQTWEycDVwUEMwc19DcDlSZWw3UkQ4cHhrSFlVTENXcDZBQnFFN0tJcHNEOFM4Y29vcy1Zc1gyYVdfamU4TTlyUjNhSmVvaXc?oc=5) · Guthrie News Page
- 2025-05-16 [Former Kingfisher bank VP pleads guilty to federal charges in fake loan scheme - KFOR](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOejBmN0J0N2ZGWEFnWHJrOEJrZ053U2hLUjZrSHpnR1MzM3diSWRONXZySkZYQmhVbHJTUTZ6ekp3OVBIVFRzcmNld0otTkJmSFg0dmlodVZDZkhESFRnd0xseG5mazEyLTR5aElWVTFpRUFTTEZvc2JoS3prSWh5ZTR3VDlldk9ZbGREampIRlVJZjZ0X09vOTVHZXU0enhGRTZTSFVac3FaNXfSAbABQVVfeXFMUEhKYjZMb2c4WUxIR05rNzdFSFI2WDZLeFhlNkY0c0xHcUlWeE9rYUxBNEpXNzJCXzdxNkhaOWhnUGRETHp4OVdLdjVpQWZDa3NFblFRay1QYXlmQk5ORUFrc2NWLWFSb1pCNXdSaGtDY3FCazg0T1YzaGc3VnJpdXRyYUtUSjR4Z3ZnQ21kTVJPTl9BRlZRWHhRZVBOSW1ucW5rSnBQeUZ0RDFPYlQ4UVU?oc=5) · KFOR

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27210 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "27210", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide