# INTERSTATE BANK
PERRYTON, TX · FDIC certificate 31043 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $288.4M | |
| Deposits | $269.1M | |
| Loans and leases | $143.5M | |
| Total equity | $18.6M | |
| Loans / deposits | 51.93% (p21 of band) | 73.59% |
| Liquid assets / assets | 48.22% (p76 of band) | |
| Uninsured deposits / deposits | 68.11% (p99 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.36% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -47.16% (p7 of band) | -6.57% |
| AOCI / equity | -0.05% (p66 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.17% |
| Net interest margin | 3.31% (p22 of band) | 3.93% |
| Efficiency ratio | 64.52% (p47 of band) | |
| Noncurrent loans | 3.47% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | -1.25% (p0 of band) | |
| Reserve coverage of noncurrent | 75.39% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 95.66% (p93 of band) | |
| Auto loans | $1.3M (0.91% of loans; DQ 9.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 3 | leverage <7% |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 | charge-offs p90 | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 | capital falling | charge-offs p90 |
| 2013-03 | 4 | uninsured deposits >50% |  |
| 2013-06 | 2 |  | reserve under noncurrent, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | reserve under noncurrent | leverage <7% |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | deposits shrinking | reserve under noncurrent |
| 2015-09 | 3 | assets shrinking |  |
| 2015-12 | 4 | uninsured deposits leaving |  |
| 2016-03 | 3 |  | uninsured deposits leaving |
| 2016-06 | 2 |  | assets shrinking |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | assets shrinking | deposits shrinking |
| 2017-03 | 1 |  | assets shrinking |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 4 | charge-offs p90 |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | capital falling | charge-offs p90 |
| 2021-06 | 3 |  | noncurrent p90 |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 5 | construction >100% equity | capital falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | capital falling | reserve under noncurrent |
| 2023-03 | 3 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 4 | charge-offs p90 |  |
| 2023-09 | 6 | AOCI drag >20% of equity, reserve under noncurrent |  |
| 2023-12 | 4 |  | AOCI drag >20% of equity, reserve under noncurrent |
| 2024-03 | 5 | capital falling, deposits shrinking | charge-offs p90 |
| 2024-06 | 5 | charge-offs p90, reserve under noncurrent | capital falling, deposits shrinking |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | construction >100% equity |
| 2025-03 | 2 |  | charge-offs p90, reserve under noncurrent |
| 2025-06 | 3 | reserve under noncurrent |  |
| 2025-09 | 5 | noncurrent p90, charge-offs p90 |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 | capital falling | charge-offs p90 |
| 2026-06 | 4 |  | capital falling |

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

- 2026-02-13 [First Interstate Bank Introduces Oregon Banking Leadership Team - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMiswFBVV95cUxNUHktRzBZeXRQOVV4UG15Um9RMG1kUDNfd0FCQmhHVThHMmVULXdmMFo0MUR3LU1rcWstemliWHNlU3UyclZDSDlWYUNyNEVUc2ViOEs2SXFneUkwZUQwSFpHRFp1cGtXV1hnS2l0b3lBOWtwZDliLXdjTm0yWmpUcE4wNTY0Q0ZfSGJ6YW8wYm1OX2dBNTIwNk5XcmNqc2ZxMFJmSGt6MjlLUlJoejVJSFR4QQ?oc=5) · The Source - Bend, Oregon
- 2026-08-03 [Bank claiming title of ‘fastest growing’ opens Boise branch - BoiseDev](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUS0td1ZiWmhfTEI1SDIzT0FIbk43ek9PbUNULTFhYVdjVlNIeTdFSmd5b3I3SW1zVktSUzlfcG5qX0VGb2tVX19lVUdRV2VNUTRObHduM2hqd25qbXhRVWVNT1FWYVpGaWJhODRPQmQ4cHZKdnZpMnQyQVBRV0kwMEN2Y3ZqTHZVblhKTG56WHFSb3A4elZ5bU11WQ?oc=5) · BoiseDev
- 2025-09-19 [First Interstate CEO: Colorado ‘a better opportunity’ after PNC move - Banking Dive](https://news.google.com/rss/articles/CBMimgFBVV95cUxQanJ1N3RUdDE4a01ael9uYUhGTDVkTnAxMjB2TEd6bVZnWHFtN2tkOGNJeXhERkJpeHNldlpuYVh2clFibElXS2dlRGZXc0lYcWgtRWI0OHo5ZlBoNXJIVWRLYzNWT1JjWXk3RDAxQW5mSm1TN2FHZmNZNzVJUXhiQUFrLTZFSWFZUjFjLVpKNFBPSWtZVm94RHFB?oc=5) · Banking Dive
- 2024-09-30 [Bank leadership, medical milestone among this week's business news - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPWHV2OUZ4NDlsUU83S0JwNlBCU0IzSVM4VlJ3Y2JXMjRiMllveF8zckNVZTlXOHZJd1RlbUdBTnhDU1hueEprOURqUUNyOEx5QkhqNkk3VnB0Q3hxaHk1UmtMbmdROU5kVkFWMWtXNGZCMjdWN0NXRFZCdF9HRWJURzRHeHJSQlE2RDRmTUY0cFFlWWVWcU5BUE9Od05CRzNwdExKbzM4VFJOdUY1UnJ5dXlTSHlncjI2TWtIcjY3a0thcTg?oc=5) · Amarillo Globe-News
- 2025-08-15 [First Interstate Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMiggFBVV95cUxNLW52U2Z5dDlla1lCVVVNclk5eGlHMktUcWwxNUw4VHJuVWxTZEs2eXhIa2pFa2RyMFE0WGozT1JFbUtDbWpMOG1qcXVrUkJzWk9sNkhEV3Nad2p1Wlk4U3g4dXlyeF9Tbm1ZeVFUdkozYWRITGY3djR2dkpibUJlUER3?oc=5) · SmartAsset
- 2024-03-07 [Interstate Bank announces Pam Chisum’s promotion to Market President - MyHighPlains.com](https://news.google.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?oc=5) · MyHighPlains.com
- 2022-07-22 [Craig Scheef of Texas Security Bank: Five Things I Wish Someone Told Me Before I Became A CEO - Medium](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOV1hmR3BMbWNWRTkzRnZZUVE0WlNTTnZfSFktQ19GanhDU0ZmcWJTc2IwWXQ0WXUyOHFyZHRNMzVDV3J5d0UyZTZOLWhvMkhCVmFvVG0wemo1NVg2MHp6UkRFOUowYnk1QWpxSWdVenBHMy1MenR1UVJ2SHNEQ0t6TjNIdGx5WHlqRVhmZzFEZnh2elU0WVNLRVRKdk5kUXowanRBUjRSMHZsUHFpZUd3TktjQUlFWkF4bVJTakstME5LUDk4a3cwTjQ2OF9PSUlBSHE5V3J3MVJiUlE?oc=5) · Medium
- 2026-02-24 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWkFVX3lxTE9DTUowTEtDcjdyUUxpS1BnQkNsQmNGZ2FsLU5XZHR5d3JDWkFRY0ZWWVgwdmYwVWJxdy1oTnFXUUU2VnpIc1NvQWQ1QnoydzdaZUh0TllYcWZJdw?oc=5) · SiouxFalls.Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31043 (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/3.json (key "31043", 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