1620 West Third Street
Elk City, OK 73648
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Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Interbank is an FDIC insured institution located in Elk City, OK. It was founded in 1901 and has approximately $0.23 billion in assets.

FDIC Insured Yes
FDIC Certificate # 4191
Date Established 1901
Assets $ 233.48 million
Loans $ 210.95 million
Deposits $ 201.67 million
Capital $ 31.26 million

For a more detailed analysis of Interbank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Interbank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Interbank
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Financial Details

Interbank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Interbank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Interbank U.S. Bank Average
6.91% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Interbank had $1,897,000 in non-current loans and $401,000 in owned real estate. To cover these potential losses it had $31,255,000 in equity and $2,005,000 in loans loss reserves. That gives it a Texas Ratio of 6.91%.

Return on Equity
Interbank U.S. Bank Average
15.45% 7.80%

Interbank has a Return on Equity of 15.45% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Interbank U.S. Bank Average
13.39% 12.68%

Interbank has a Capitalization of 13.39% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Interbank Balance Sheet Analysis

As of November 30, -0001, Interbank had assets of $233,482,000, loans of $210,949,000, and deposits of $201,666,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 210.95 million
Loan loss allowance $ 2.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.40 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 201.67 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 233.48 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Interbank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Interbank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Interbank

Branches and Savings

Is Interbank FDIC insured?

Yes. It is covered under FDIC Certificate #4191.

Why does Interbank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Interbank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Interbank a commercial bank?


Where are Interbank locations?

See branch locations nearby.

Is Interbank open on Saturdays?

Is Interbank open on Sundays?

What time does Interbank open?

What time does Interbank close?

Are Interbank ATMs Open 24/7?

Do Interbank ATMs accept cash deposits?

Can Interbank customers use other ATMs?

Do Interbank branches have notaries?

Will Interbank notarize my document?

What address for Interbank should I put for incoming ACH transfers?

Will the Interbank branch print checks?

Do Interbank checks expire?

Does Interbank require US citizenship to open account?

Can Interbank close my account?

Does Interbank Report to credit bureaus?

Does Interbank Use Equifax?

What is Interbank's ACH Routing Number?

What is Interbank's SWIFT code?


Does Interbank offer mortgages?

Compare mortgage rates here.

Does Interbank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Interbank offer personal loans?

Compare personal loan rates here.

Does Interbank offer student loans?

Will Interbank cash a check?

Will Interbank redeem a savings bond?

Does Interbank cash savings bonds?

Will Interbank cash money orders?

Can Interbank issue a money order?

Does Interbank do currency exchange?

Background on The Bank

Who owns Interbank?

How long has Interbank been around?

Can Interbank transfer to other banks?

Does Interbank have quick pay?

Does Interbank accept rolled coins?

Will Interbank accept loose change?

Where is Interbank headquarters?

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