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InterBank
Oklahoma City, OK·FDIC Cert #27210·Charter: STATE·Est. 19880331.0·HC: OLNEY BANCSHARES OF TEXAS INC
Total Assets
$5.5B
Q4 2025
Return on Assets
3.60%
-0.06%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
31.96%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
69
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
3.60%-0.06
ROE
30.31%-0.08
Efficiency
31.96%+0.06
Equity/Assets
0.00%+0.00
NPL Ratio
0.56%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
97.37%-2.66
Charge-offs
0.03%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 4.2 | 4.1 | 3.8 | 3.8 | 3.7 | 3.7 | 3.7 | 3.6 |
| ROE | 34.7 | 32.9 | 30.1 | 30.3 | 30.2 | 30.7 | 30.4 | 30.3 |
| Efficiency | 30.1 | 30.7 | 31.0 | 31.5 | 32.0 | 31.9 | 31.9 | 32.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 1.0 | 0.5 | 0.5 | 0.7 | 0.7 | 0.6 | 0.6 |
| Charge-offs | -0.1 | -0.1 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 95.5 | 98.8 | 97.2 | 97.7 | 100.9 | 100.6 | 100.0 | 97.4 |
Balance Sheet
Total Assets$5.5B
Total Deposits$4.8B
Total Loans$4.7B
Total Equity$613.8M
Profitability
ROA3.60%
ROE30.31%
Efficiency Ratio31.96%
Net Income$179.0M
Risk & Asset Quality
NPL Ratio0.56%
Charge-off Rate0.03%
Loan/Deposit97.37%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans