Interbank Mortgage Rates, Fees & Info

Oklahoma City, OK

LEI: 549300T2PYPUFN0IWJ63

Tax ID: 73-1319566

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Interbank is a smaller bank specializing in Home Purchase and Refi loans. Interbank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Oklahoma City, Dallas, Stephenville, Elk City, and Granbury among others. We have data for 36 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Interbank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Interbank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.76% 12/16/24
    30 Year Conventional Refi 6.54% 12/16/24
    30 Year Cash-out Refi 6.80% 12/16/24
    30 Year FHA Purchase 7.06% 12/16/24
    30 Year FHA Refi 6.27% 12/16/24
    30 Year VA Purchase 6.27% 12/16/24
    30 Year USDA Purchase 6.27% 12/16/24
    15 Year Conventional Purchase 6.46% 12/16/24
    15 Year Conventional Refi 6.99% 12/16/24
    15 Year Cash-out Refi 6.99% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Interbank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Interbank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    654

    Origination Dollar Volume (All Markets)

    $116,560,000

    Employee count

    533 Show all (5) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    OKLAHOMA CITY, OK (FHA|USDA|VA) 132 $35,810,000 $271,288 $2,229 5.34%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 128 $24,240,000 $189,375 $2,440 5.75%
    Outside of Metro Areas 154 $19,540,000 $126,883 $2,332 5.37%
    Stephenville, TX (FHA|USDA|VA) 49 $9,375,000 $191,327 $3,161 4.85%
    Elk City, OK (FHA|USDA|VA) 55 $6,395,000 $116,273 $2,621 5.73%
    Granbury, TX (FHA|USDA|VA) 12 $3,960,000 $330,000 $3,370 4.05%
    ENID, OK (FHA|USDA|VA) 44 $3,750,000 $85,227 $846 5.85%
    Weatherford, OK (FHA|USDA|VA) 39 $2,715,000 $69,615 $1,813 5.61%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $1,815,000 $1,815,000 $0 6.25%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $1,435,000 $478,333 $3,430 5.67%
    TULSA, OK (FHA|USDA|VA) 3 $725,000 $241,667 $16 5.79%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $705,000 $705,000 $4,014 6.75%
    Durant, OK (FHA|USDA|VA) 1 $695,000 $695,000 $3,311 5.50%
    WICHITA FALLS, TX (FHA|USDA|VA) 3 $425,000 $141,667 $2,953 4.75%
    ABILENE, TX (FHA|USDA|VA) 2 $420,000 $210,000 $3,238 4.50%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $395,000 $131,667 $4,961 5.88%
    LUBBOCK, TX (FHA|USDA|VA) 2 $390,000 $195,000 $0 6.25%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,438 4.63%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $355,000 $355,000 $0 5.00%
    Ruidoso, NM (FHA|USDA|VA) 3 $345,000 $115,000 $2,749 5.25%
    LONGVIEW, TX (FHA|USDA|VA) 1 $335,000 $335,000 $4,379 3.50%
    Brownwood, TX (FHA|USDA|VA) 2 $280,000 $140,000 $0 7.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,725 3.50%
    Hereford, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,929 4.63%
    Guymon, OK (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.25%
    Mineral Wells, TX (FHA|USDA|VA) 1 $205,000 $205,000 $887 6.50%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,752 3.88%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,802 5.00%
    Rockport, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,401 4.25%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.50%
    Bonham, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,044 3.75%
    AMARILLO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,230 4.88%
    Ponca City, OK (FHA|USDA|VA) 1 $95,000 $95,000 $3,853 3.38%
    Stillwater, OK (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.50%
    SAN ANGELO, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
    Pampa, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.50%
    Interbank's top markets include Oklahoma City, Dallas, Stephenville, Elk City, and Granbury among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against InterBank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    TRUE SKY
    Similarity Rank: 174
    WEOKIE
    Similarity Rank: 243
    Municipal Employees Credit Union of Oklahoma City
    Similarity Rank: 321
    Intrust Bank
    Similarity Rank: 352
    AAXY L.L.C.
    Similarity Rank: 480
    MORTGAGE CLEARING CORPORATION
    Similarity Rank: 780
    US Employees O.C. Federal Credit Union
    Similarity Rank: 784
    FC LENDING, LTD.
    Similarity Rank: 815
    HIGHLAND HOMELOANS, LLC
    Similarity Rank: 948
    CAPITAL PLUS FINANCIAL, LLC
    Similarity Rank: 1038

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 637 $114,115,000 $179,144 $2,353 5.50%
    FHA 16 $2,300,000 $143,750 $4,571 3.66%
    USDA 1 $145,000 $145,000 $4,878 2.88%

    For 2019, Interbank's most frequently originated type of loan was Conventional, with 637 originations. Their 2nd most popular type was FHA, with 16 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 325 $62,715,000 $192,969 $2,908 5.28%
    Refi 201 $39,695,000 $197,488 $2,001 5.59%
    Cash Out Refi 80 $11,880,000 $148,500 $2,612 5.43%
    Home Improvement 34 $1,130,000 $33,235 $588 6.20%
    Other 14 $1,140,000 $81,429 $598 5.96%

    For 2019, Interbank's most frequently cited loan purpose was Home Purchase, with 325 originations. The 2nd most popular reason was Refi, with 201 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 219 $50,305,000 $229,703 $3,103 4.45%
    5 Year 108 $19,710,000 $182,500 $425 6.13%
    15 Year 82 $10,770,000 $131,341 $2,263 5.13%
    Other 63 $13,595,000 $215,794 $923 6.12%
    1 Year 61 $10,035,000 $164,508 $1,144 6.47%
    3 Year 51 $5,965,000 $116,961 $23 6.01%
    10 Year 37 $1,755,000 $47,432 $787 6.30%
    20 Year 33 $4,425,000 $134,091 $1,381 5.80%

    For 2019, Interbank's most frequently cited loan duration was 30 Year, with 219 originations. The 2nd most popular length was 5 Year, with 108 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 338 $62,300,000 $184,320
    $1k-2k 23 $5,205,000 $226,304
    $2k-3k 4 $1,110,000 $277,500

    Interbank's average total fees were $3,103, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 338 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 197 $22,655,000 $115,000
    5-6% 160 $24,360,000 $152,250
    3-4% 125 $41,805,000 $334,440
    4-5% 116 $21,520,000 $185,517
    7-8% 43 $3,605,000 $83,837
    2.5-3% 10 $2,450,000 $245,000
    Over 8% 3 $165,000 $55,000

    During 2019, Interbank's average interest rate for loans was 4.45%, while their most frequently originated rate bucket for loans was 6-7%, with 197 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 305 $15,245,000 $49,984 $1,238 6.08%
    $100k-200k 176 $25,700,000 $146,023 $2,855 5.19%
    $200k-400k 133 $37,695,000 $283,421 $3,380 4.56%
    $400k-600k 29 $13,145,000 $453,276 $3,176 4.45%
    $600k-1MM 7 $4,775,000 $682,143 $2,114 6.09%
    $1MM+ 4 $20,000,000 $5,000,000 $0 5.31%

    2019 saw Interbank place emphasis on $100,000 or less loans with 305 originations, totaling $15,245,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 110 $10,750,000 $97,727 $2,206 5.36%
    $100k-150k 101 $16,165,000 $160,050 $2,688 5.15%
    $150k-250k 86 $20,910,000 $243,140 $3,071 5.04%
    $50k or less 72 $4,600,000 $63,889 $1,658 5.64%
    $75k-100k 60 $9,290,000 $154,833 $2,635 4.96%
    $250k+ 35 $8,965,000 $256,143 $1,964 5.52%

    Interbank lent most frequently to those with incomes in the $50k-75k range, with 110 originations. The second most popular income band? $100k-150k, with 101 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 144 $23,330,000 $162,014 $2,455 5.14%
    30-36% 85 $15,535,000 $182,765 $2,491 4.94%
    <20% 75 $8,115,000 $108,200 $1,768 5.38%
    >60% 38 $3,680,000 $96,842 $885 6.16%
    40% 19 $3,255,000 $171,316 $2,793 5.36%
    37% 18 $3,540,000 $196,667 $2,845 5.26%
    41% 17 $3,455,000 $203,235 $2,949 5.07%
    39% 16 $2,230,000 $139,375 $2,502 5.13%
    50-60% 13 $1,665,000 $128,077 $273 6.23%
    36% 12 $1,740,000 $145,000 $2,735 5.11%
    42% 12 $2,140,000 $178,333 $2,797 4.83%
    46% 11 $1,305,000 $118,636 $3,617 5.75%
    38% 9 $1,445,000 $160,556 $3,136 4.71%
    47% 9 $1,455,000 $161,667 $3,507 4.72%
    49% 7 $1,435,000 $205,000 $3,372 4.88%
    44% 6 $1,380,000 $230,000 $3,633 4.48%
    43% 5 $885,000 $177,000 $2,882 5.65%
    45% 4 $720,000 $180,000 $2,115 4.72%
    48% 3 $1,015,000 $338,333 $2,674 4.96%

    Interbank lent most frequently to those with DTI ratios of 20-30%, with 144 originations. The next most common DTI ratio? 30-36%, with 85 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 471 $71,895,000 $152,643 $2,409 5.25%
    Not applicable 157 $38,885,000 $247,675 $2,165 6.15%
    Not provided 11 $2,595,000 $235,909 $4,127 4.90%
    Asian 8 $1,850,000 $231,250 $3,954 4.41%
    Asian Indian 3 $1,085,000 $361,667 $2,217 4.96%
    Black 3 $145,000 $48,333 $4,116 5.77%
    American Indian 1 $105,000 $105,000 $0 6.00%

    Approval Rates

    Total approvals of all applications
    90.01%

    Interbank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.78%

    Interbank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 654 $116,560,000 $178,226

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $65,000 $21,667
    Multifamily:Site-Built 10 $17,420,000 $1,742,000
    Single Family (1-4 Units):Manufactured 16 $850,000 $53,125
    Single Family (1-4 Units):Site-Built 625 $98,225,000 $157,160

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 77 $5,995,000 $77,857 $1,187 5.85%
    40-60% 117 $20,015,000 $171,068 $2,056 5.73%
    60-80% 255 $57,325,000 $224,804 $2,750 5.44%
    80-100% 163 $31,345,000 $192,301 $3,004 4.86%
    Over 100% 1 $205,000 $205,000 $1,284 6.88%
    Under 20% 40 $1,650,000 $41,250 $339 6.39%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    INTERCONTINENTAL CAPITAL GROUP VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    InterBank 100 Commercial Avenue Coleman, TX 76834 Full Service B&M $68,583
    InterBank 100 North Washington Street Seymour, TX 76380 Full Service B&M $40,917
    InterBank 101 North Main Street Hennessey, OK 73742 Full Service B&M $81,506
    InterBank 101 North Main Street Vega, TX 79092 Full Service B&M $22,480
    InterBank 101 North Rock Island El Reno, OK 73036 Limited, Drive-thru $0
    InterBank 102 N. State Hwy 342 Red Oak, TX 75154 Full Service B&M $16,375
    InterBank 110 East Cleveland Avenue Guthrie, OK 73044 Limited, Drive-thru $0
    InterBank 115 Main Street Canadian, TX 79014 Full Service B&M $82,171
    InterBank 11th Street At Cleveland Friona, TX 79035 Full Service B&M $70,691
    InterBank 1201 West Memorial Road Oklahoma City, OK 73114 Full Service B&M $12,722
    InterBank 1209 South Main Kingfisher, OK 73750 Limited, Drive-thru $0
    InterBank 123 West Main Street Sayre, OK 73662 Full Service B&M $66,547
    InterBank 125 East First Edmond, OK 73034 Full Service B&M $89,887
    InterBank 1431 S Midlothian Parkway Midlothian, TX 76065 Full Service B&M $24,215
    InterBank 150 Harbin Drive Stephenville, TX 76401 Full Service B&M $117,968
    InterBank 1620 West Third Street Elk City, OK 73648 Full Service B&M $66,728
    InterBank 200 North Fm 1187 Aledo, TX 76008 Full Service B&M $10,332
    InterBank 200 West Lingleville Highway Stephenville, TX 76401 Full Service B&M $0
    InterBank 210 N Minter Ave Throckmorton, TX 76483 Full Service B&M $37,671
    InterBank 224 East Oklahoma Avenue Guthrie, OK 73044 Full Service B&M $59,233
    InterBank 2409 Country Club Road El Reno, OK 73036 Full Service B&M $167,868
    InterBank 28517 U.S. Highway 377 North Bluff Dale, TX 76433 Full Service B&M $14,636
    InterBank 2919 N.W. 49th Street Oklahoma City, OK 73112 Limited, Drive-thru $0
    InterBank 300 Us 77 North Waxahachie, TX 75165 Full Service B&M $110,114
    InterBank 301 West Walker Street Breckenridge, TX 76424 Full Service B&M $58,777
    InterBank 307 West Main Street Olney, TX 76374 Full Service B&M $74,171
    InterBank 309 South Ranchwood Boulevard Yukon, OK 73099 Full Service B&M $20,064
    InterBank 320 North Main Street Kingfisher, OK 73750 Full Service B&M $107,350
    InterBank 400 South Main Hobart, OK 73651 Full Service B&M $17,299
    InterBank 405 Southwest Big Bend Trail Glen Rose, TX 76043 Full Service B&M $104,691
    InterBank 4255 Camp Bowie Fort Worth, TX 76107 Full Service B&M $284,656
    InterBank 429 South Jefferson Hobart, OK 73651 Limited, Drive-thru $0
    InterBank 4300 Lovers Lane - University Park Dallas, TX 75225 Full Service B&M $29,176
    InterBank 4501 William D. Tate Ave. Grapevine, TX 76051 Full Service B&M $174,884
    InterBank 4530 East Highway 377 Granbury, TX 76049 Full Service B&M $18,688
    InterBank 455 Elm Street Graham, TX 76450 Full Service B&M $119,564
    InterBank 4921 North May Avenue Oklahoma City, OK 73112 Full Service B&M $500,742
    InterBank 501 Avenue F, N.W. Childress, TX 79201 Full Service B&M $19,858
    InterBank 510 North Commerce Enid, OK 73703 Full Service B&M $120,318
    InterBank 525 Morse Avenue Stinnett, TX 79083 Full Service B&M $5,915
    InterBank 5307 E. Mockingbird, Suite 200 Dallas, TX 75206 Full Service B&M $113,765
    InterBank 531 Deahl Street Borger, TX 79007 Full Service B&M $20,396
    InterBank 7300 South Pennsylvania Oklahoma City, OK 73159 Full Service B&M $35,200
    InterBank 807 Gary Boulevard Clinton, OK 73601 Full Service B&M $66,261
    InterBank Main Street Follett, TX 79034 Full Service B&M $41,112

    For 2019, Interbank had 45 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $173,150
    Net interest income $142,461
    Total noninterest income $13,843
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $5,091
    Trading account gains and fees $0
    Additional Noninterest Income $8,752
    Pre-tax net operating income $54,767
    Securities gains (or losses, -) $0
    Income before extraordinary items $54,767
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $54,767
    Minority interest net income $0
    Net income $54,767
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $54,767

    Interbank's gross interest income from loans was $173,150,000.
    Interbank's net interest income from loans was $142,461,000.
    Interbank's fee based income from loans was $5,091,000.
    Interbank's net income from loans was $54,767,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $30,689
    Provision for credit losses $34,242
    Total noninterest expense $67,295
    Salaries and employee benefits $36,744
    Premises and equipment expense $15,058
    Additional noninterest expense $15,493
    Applicable income taxes $0
    Net charge-offs $31,815
    Cash dividends $84,000

    Interbank's interest expense for loans was $30,689,000.
    Interbank's payroll and benefits expense were $36,744,000.
    Interbank's property, plant and equipment expenses $15,058,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 4.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,028,835
    Deposits held in domestic offices $3,028,835
    Deposits by Individuals, partnerships, and corporations $2,632,738
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $321,515
    Deposits by Commercial banks and other depository institutions in U.S. $74,582
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $484,246
    Demand deposits $484,246
    Nontransaction accounts $2,544,589
    Money market deposit accounts (MMDAs) $500,730
    Other savings deposits (excluding MMDAs) $1,626,472
    Total time deposits $417,387
    Total time and savings deposits $2,544,589
    Noninterest-bearing deposits $779,232
    Interest-bearing deposits $2,249,603
    Retail deposits $2,899,210
    IRAs and Keogh plan accounts $49,626
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,461,210
    Cash & Balances due from depository institutions $337,367
    Interest-bearing balances $291,735
    Total securities $0
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,912,936
    Loan and leases loss allowance $22,620
    Trading account assets $0
    Bank premises and fixed assets $82,014
    Other real estate owned $9,388
    Goodwill and other intangibles $90,173
    All other assets $29,332

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,461,210
    Total Liabilities $3,033,937
    Total deposits $3,028,835
    Interest-bearing deposits $2,249,603
    Deposits held in domestic offices $3,028,835
    % insured (estimated) $55
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $361
    Subordinated debt $0
    All other liabilities $4,741

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,912,936
    Loan and leases loss allowance $22,620
    Total loans and leases (domestic) $2,935,556
    All real estate loans $2,052,645
    Real estate loans in domestic offices $2,052,645
    Construction and development loans $217,655
    Residential 1-4 family construction $57,935
    Other construction, all land development and other land $159,720
    Loans secured by nonfarm nonresidential properties $1,377,828
    Nonfarm nonresidential secured by owner-occupied properties $255,690
    Commercial real estate & other non-farm, non-residential $1,122,138
    Multifamily residential real estate $48,384
    1-4 family residential loans $222,404
    Farmland loans $186,374
    Loans held in foreign offices $0
    Farm loans $301,257
    Commercial and industrial loans $560,830
    To non-U.S. addressees $0
    Loans to individuals $21,247
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $8,676
    Other loans to individuals $12,571
    All other loans & leases $3,186
    Loans to foreign governments and official institutions $0
    Other loans $650
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $90
    Restructured Loans & leases $2,248
    Non 1-4 family restructured loans & leases $2,248
    Total loans and leases (foreign) $0

    InterBank had $2,912,936,000 of loans outstanding in 2019. $2,052,645,000 of loans were in real estate loans. $217,655,000 of loans were in development loans. $48,384,000 of loans were in multifamily mortgage loans. $222,404,000 of loans were in 1-4 family mortgage loans. $301,257,000 of loans were in farm loans. $0 of loans were in credit card loans. $8,676,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 706 $132,752 $188,034
    Nonfarm, nonresidential loans - <$100k 249 $8,663 $34,791
    Nonfarm, nonresidential loans - $100-250k 183 $22,397 $122,388
    Nonfarm, nonresidential loans - $250k-1MM 274 $101,692 $371,139
    Commercial & Industrial, US addressed loans - <$1MM 1,880 $101,888 $54,196
    Commercial & Industrial, US addressed loans - <$100k 1,554 $29,779 $19,163
    Commercial & Industrial, US addressed loans - $100-250k 171 $19,612 $114,690
    Commercial & Industrial, US addressed loans - $250k-1MM 155 $52,497 $338,690
    Farmland loans - <$1MM 494 $56,520 $114,413
    Farmland loans - <$100k 228 $8,906 $39,061
    Farmland loans - $100-250k 186 $23,073 $124,048
    Farmland loans - $250k-1MM 80 $24,541 $306,763
    Agriculture operations loans - <$1MM 1,562 $62,823 $40,220
    Agriculture operations loans - <$100k 1,311 $26,809 $20,449
    Agriculture operations loans - $100-250k 183 $20,004 $109,311
    Agriculture operations loans - $250k-1MM 68 $16,010 $235,441