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 Refi and Home Purchase 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: Dallas, Oklahoma City, Stephenville, Enid, and Weatherford among others. We have data for 41 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Interbank has an 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% 4/14/24
    30 Year Conventional Refi 6.54% 4/14/24
    30 Year Cash-out Refi 6.80% 4/14/24
    30 Year FHA Purchase 7.06% 4/14/24
    30 Year FHA Refi 6.27% 4/14/24
    30 Year VA Purchase 6.27% 4/14/24
    30 Year USDA Purchase 6.27% 4/14/24
    15 Year Conventional Purchase 6.46% 4/14/24
    15 Year Conventional Refi 6.99% 4/14/24
    15 Year Cash-out Refi 6.99% 4/14/24
    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

    820

    Origination Dollar Volume (All Markets)

    $172,840,000

    Employee count

    506 Show all (8) 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
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 137 $49,215,000 $359,234 $3,266 3.71%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 187 $38,305,000 $204,840 $2,888 3.60%
    Outside of Metro Areas 188 $32,620,000 $173,511 $2,649 3.97%
    Stephenville, TX (FHA|USDA|VA) 86 $18,160,000 $211,163 $3,014 3.30%
    ENID, OK (FHA|USDA|VA) 52 $7,290,000 $140,192 $3,053 3.87%
    Weatherford, OK (FHA|USDA|VA) 57 $6,885,000 $120,789 $2,820 3.94%
    Elk City, OK (FHA|USDA|VA) 40 $5,820,000 $145,500 $3,176 4.34%
    Granbury, TX (FHA|USDA|VA) 15 $3,085,000 $205,667 $3,174 3.63%
    AMARILLO, TX (FHA|USDA|VA) 5 $1,265,000 $253,000 $3,272 3.80%
    Athens, TX (FHA|USDA|VA) 1 $705,000 $705,000 $8,663 4.50%
    ABILENE, TX (FHA|USDA|VA) 4 $610,000 $152,500 $2,728 3.81%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $590,000 $295,000 $3,042 3.31%
    McAlester, OK (FHA|USDA|VA) 1 $515,000 $515,000 $3,756 2.25%
    Mineral Wells, TX (FHA|USDA|VA) 4 $510,000 $127,500 $3,141 3.97%
    WICHITA FALLS, TX (FHA|USDA|VA) 5 $495,000 $99,000 $2,503 4.28%
    Gainesville, TX (FHA|USDA|VA) 1 $485,000 $485,000 $6,707 5.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $405,000 $135,000 $3,299 4.00%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $385,000 $385,000 $2,238 2.50%
    Altus, OK (FHA|USDA|VA) 3 $385,000 $128,333 $0 5.25%
    TULSA, OK (FHA|USDA|VA) 3 $375,000 $125,000 $2,342 3.04%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $365,000 $365,000 $0 4.25%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $355,000 $355,000 $2,483 2.63%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,094 3.00%
    LONGVIEW, TX (FHA|USDA|VA) 1 $315,000 $315,000 $4,105 2.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $310,000 $155,000 $2,931 3.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $305,000 $305,000 $7,225 2.25%
    Brownwood, TX (FHA|USDA|VA) 2 $260,000 $130,000 $2,143 3.94%
    Ardmore, OK (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.00%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.25%
    Taos, NM (FHA|USDA|VA) 1 $225,000 $225,000 $0 3.13%
    Sweetwater, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,893 4.88%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,441 3.25%
    LUBBOCK, TX (FHA|USDA|VA) 2 $190,000 $95,000 $3,139 4.81%
    WACO, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,729 3.00%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.25%
    Ruidoso, NM (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.25%
    Borger, TX (FHA|USDA|VA) 2 $140,000 $70,000 $2,468 2.88%
    LAWTON, OK (FHA|USDA|VA) 1 $135,000 $135,000 $3,334 3.25%
    Shawnee, OK (FHA|USDA|VA) 1 $135,000 $135,000 $2,880 3.00%
    Stillwater, OK (FHA|USDA|VA) 1 $125,000 $125,000 $2,998 2.63%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,196 2.88%
    Interbank's top markets include Dallas, Oklahoma City, Stephenville, Enid, and Weatherford among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Mexico (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: 168
    WEOKIE
    Similarity Rank: 420
    ALLEGIANCE
    Similarity Rank: 432
    Republic Bank & Trust
    Similarity Rank: 512
    AAXY L.L.C.
    Similarity Rank: 522
    TTCU Federal Credit Union
    Similarity Rank: 650
    US Employees O.C. Federal Credit Union
    Similarity Rank: 836
    Municipal Employees Credit Union of Oklahoma City
    Similarity Rank: 880
    MORTGAGE CLEARING CORPORATION
    Similarity Rank: 920
    Central Bank of Oklahoma
    Similarity Rank: 960

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 813 $171,505,000 $210,953 $2,935 3.77%
    FHA 6 $1,190,000 $198,333 $5,166 3.10%
    USDA 1 $145,000 $145,000 $2,250 3.38%

    For 2020, Interbank's most frequently originated type of loan was Conventional, with 813 originations. Their 2nd most popular type was FHA, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 340 $66,690,000 $196,147 $3,043 3.46%
    Home Purchase 321 $78,815,000 $245,530 $2,853 3.94%
    Cash Out Refi 127 $25,625,000 $201,772 $3,415 3.73%
    Home Improvement 22 $1,000,000 $45,455 $605 5.36%
    Other 10 $710,000 $71,000 $1,160 5.00%

    For 2020, Interbank's most frequently cited loan purpose was Refi, with 340 originations. The 2nd most popular reason was Home Purchase, with 321 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 389 $97,935,000 $251,761 $3,232 3.24%
    15 Year 163 $28,595,000 $175,429 $2,794 3.32%
    5 Year 83 $21,035,000 $253,434 $137 5.12%
    Other 61 $6,125,000 $100,410 $1,395 4.86%
    20 Year 47 $8,515,000 $181,170 $2,765 3.81%
    10 Year 30 $2,740,000 $91,333 $1,522 4.62%
    1 Year 26 $4,930,000 $189,615 $1,913 5.37%
    3 Year 21 $2,965,000 $141,190 $0 4.91%

    For 2020, Interbank's most frequently cited loan duration was 30 Year, with 389 originations. The 2nd most popular length was 15 Year, with 163 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 573 $122,525,000 $213,831
    $1k-2k 35 $8,085,000 $231,000
    $2k-3k 7 $2,545,000 $363,571
    $3k-4k 2 $940,000 $470,000
    $5k+ 1 $305,000 $305,000

    Interbank's average total fees were $3,232, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 573 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 183 $42,465,000 $232,049
    4-5% 180 $26,900,000 $149,444
    3-4% 161 $48,595,000 $301,832
    <2.5% 151 $39,065,000 $258,709
    5-6% 115 $12,855,000 $111,783
    6-7% 30 $2,960,000 $98,667

    During 2020, Interbank's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 2.5-3%, with 183 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 264 $74,150,000 $280,871 $3,398 3.28%
    $100k-200k 254 $37,470,000 $147,520 $2,839 3.54%
    $100,000 or less 234 $11,800,000 $50,427 $1,714 4.70%
    $400k-600k 55 $25,785,000 $468,818 $4,115 2.97%
    $600k-1MM 8 $5,410,000 $676,250 $4,676 4.42%
    $1MM+ 5 $18,225,000 $3,645,000 $2,499 4.38%

    2020 saw Interbank place emphasis on $200k-400k loans with 264 originations, totaling $74,150,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 169 $37,245,000 $220,385 $3,038 3.40%
    $50k-75k 118 $16,590,000 $140,593 $2,572 3.59%
    $150k-250k 116 $31,870,000 $274,741 $3,428 3.45%
    $75k-100k 105 $17,585,000 $167,476 $2,753 3.62%
    $50k or less 66 $5,450,000 $82,576 $2,288 3.97%
    $250k+ 53 $20,355,000 $384,057 $3,660 3.31%

    Interbank lent most frequently to those with incomes in the $100k-150k range, with 169 originations. The second most popular income band? $50k-75k, with 118 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 215 $44,585,000 $207,372 $2,881 3.44%
    <20% 123 $24,835,000 $201,911 $2,872 3.47%
    30-36% 119 $25,965,000 $218,193 $2,837 3.51%
    41% 24 $4,440,000 $185,000 $3,080 3.27%
    38% 23 $5,755,000 $250,217 $3,361 3.29%
    42% 22 $4,750,000 $215,909 $3,417 3.52%
    43% 17 $5,245,000 $308,529 $3,050 3.09%
    39% 17 $3,335,000 $196,176 $2,685 3.62%
    37% 17 $2,705,000 $159,118 $2,802 3.64%
    >60% 15 $1,835,000 $122,333 $1,961 5.00%
    44% 15 $3,105,000 $207,000 $3,631 3.20%
    50-60% 14 $1,620,000 $115,714 $3,073 4.61%
    40% 13 $3,085,000 $237,308 $3,274 3.51%
    36% 12 $2,990,000 $249,167 $2,484 3.85%
    49% 10 $2,160,000 $216,000 $3,217 3.01%
    46% 10 $2,280,000 $228,000 $3,009 3.39%
    47% 9 $1,785,000 $198,333 $4,086 3.47%
    48% 5 $1,025,000 $205,000 $3,552 2.88%
    45% 3 $375,000 $125,000 $2,784 2.88%

    Interbank lent most frequently to those with DTI ratios of 20-30%, with 215 originations. The next most common DTI ratio? <20%, with 123 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 669 $128,325,000 $191,816 $2,929 3.66%
    Not applicable 86 $27,410,000 $318,721 $1,222 4.94%
    Asian 21 $6,745,000 $321,190 $3,690 3.05%
    Not provided 20 $5,020,000 $251,000 $3,294 3.27%
    American Indian 14 $3,620,000 $258,571 $3,255 3.17%
    Black 7 $825,000 $117,857 $1,704 4.32%
    Other Asian 1 $515,000 $515,000 $4,504 3.00%
    Asian Indian 1 $215,000 $215,000 $2,791 2.75%
    Native Hawaiian or Islander 1 $165,000 $165,000 $3,302 2.63%

    Approval Rates

    Total approvals of all applications
    86.33%

    Interbank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.98%

    Interbank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 820 $172,840,000 $210,780

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $545,000 $181,667
    Multifamily:Site-Built 9 $17,095,000 $1,899,444
    Single Family (1-4 Units):Manufactured 5 $435,000 $87,000
    Single Family (1-4 Units):Site-Built 803 $154,765,000 $192,733

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 91 $9,515,000 $104,560 $2,308 4.28%
    40-60% 147 $25,805,000 $175,544 $3,018 3.63%
    60-80% 349 $94,095,000 $269,613 $3,200 3.55%
    80-100% 198 $41,310,000 $208,636 $2,977 3.71%
    Under 20% 35 $2,115,000 $60,429 $767 5.31%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 57.1%
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Closing on a mortgage 1 14.3%
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Trouble during payment process 2 28.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Interbank 100 Commercial Avenue Coleman, TX 76834 Full Service B&M $70,809
    Interbank 100 North Washington Street Seymour, TX 76380 Full Service B&M $45,271
    Interbank 101 North Main Street Hennessey, OK 73742 Full Service B&M $78,897
    Interbank 101 North Main Street Vega, TX 79092 Full Service B&M $23,307
    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 $21,639
    Interbank 110 East Cleveland Avenue Guthrie, OK 73044 Limited, Drive-thru $0
    Interbank 115 Main Street Canadian, TX 79014 Full Service B&M $91,708
    Interbank 11th Street At Cleveland Friona, TX 79035 Full Service B&M $95,448
    Interbank 1201 West Memorial Road Oklahoma City, OK 73114 Full Service B&M $13,309
    Interbank 1209 South Main Kingfisher, OK 73750 Limited, Drive-thru $0
    Interbank 123 West Main Street Sayre, OK 73662 Full Service B&M $71,242
    Interbank 125 East First Edmond, OK 73034 Full Service B&M $53,943
    Interbank 1431 S Midlothian Parkway Midlothian, TX 76065 Full Service B&M $27,581
    Interbank 150 Harbin Drive Stephenville, TX 76401 Full Service B&M $149,668
    Interbank 1620 West Third Street Elk City, OK 73648 Full Service B&M $66,910
    Interbank 200 North Fm 1187 Aledo, TX 76008 Full Service B&M $12,353
    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 $48,943
    Interbank 224 East Oklahoma Avenue Guthrie, OK 73044 Full Service B&M $74,387
    Interbank 2409 Country Club Road El Reno, OK 73036 Full Service B&M $133,547
    Interbank 28517 U.S. Highway 377 North Bluff Dale, TX 76433 Full Service B&M $13,887
    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 $115,185
    Interbank 301 West Walker Street Breckenridge, TX 76424 Full Service B&M $59,686
    Interbank 307 West Main Street Olney, TX 76374 Full Service B&M $81,732
    Interbank 309 South Ranchwood Boulevard Yukon, OK 73099 Full Service B&M $25,238
    Interbank 320 North Main Street Kingfisher, OK 73750 Full Service B&M $120,983
    Interbank 400 South Main Hobart, OK 73651 Full Service B&M $20,432
    Interbank 405 Southwest Big Bend Trail Glen Rose, TX 76043 Full Service B&M $105,579
    Interbank 4255 Camp Bowie Fort Worth, TX 76107 Full Service B&M $347,136
    Interbank 429 South Jefferson Hobart, OK 73651 Limited, Drive-thru $0
    Interbank 4300 Lovers Lane - University Park Dallas, TX 75225 Full Service B&M $34,612
    Interbank 4501 William D. Tate Ave. Grapevine, TX 76051 Full Service B&M $163,311
    Interbank 4530 East Highway 377 Granbury, TX 76049 Full Service B&M $20,730
    Interbank 455 Elm Street Graham, TX 76450 Full Service B&M $135,002
    Interbank 4921 North May Avenue Oklahoma City, OK 73112 Full Service B&M $445,083
    Interbank 501 Avenue F, N.W. Childress, TX 79201 Full Service B&M $24,963
    Interbank 510 North Commerce Enid, OK 73703 Full Service B&M $121,330
    Interbank 525 Morse Avenue Stinnett, TX 79083 Full Service B&M $8,200
    Interbank 5307 E. Mockingbird, Suite 200 Dallas, TX 75206 Full Service B&M $135,946
    Interbank 531 Deahl Street Borger, TX 79007 Full Service B&M $23,268
    Interbank 7300 South Pennsylvania Oklahoma City, OK 73159 Full Service B&M $41,968
    Interbank 807 Gary Boulevard Clinton, OK 73601 Full Service B&M $64,918
    Interbank Main Street Follett, TX 79034 Full Service B&M $35,179

    For 2020, Interbank had 45 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $139,911
    Net interest income $128,558
    Total noninterest income $12,751
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,528
    Trading account gains and fees $0
    Additional Noninterest Income $9,223
    Pre-tax net operating income $66,672
    Securities gains (or losses, -) $0
    Income before extraordinary items $66,672
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $66,672
    Minority interest net income $0
    Net income $66,672
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $66,672

    Interbank's gross interest income from loans was $139,911,000.
    Interbank's net interest income from loans was $128,558,000.
    Interbank's fee based income from loans was $3,528,000.
    Interbank's net income from loans was $66,672,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,353
    Provision for credit losses $8,610
    Total noninterest expense $66,027
    Salaries and employee benefits $36,601
    Premises and equipment expense $13,464
    Additional noninterest expense $15,962
    Applicable income taxes $0
    Net charge-offs $555
    Cash dividends $19,072

    Interbank's interest expense for loans was $11,353,000.
    Interbank's payroll and benefits expense were $36,601,000.
    Interbank's property, plant and equipment expenses $13,464,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    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 $3,040,224
    Deposits held in domestic offices $3,040,224
    Deposits by Individuals, partnerships, and corporations $2,708,974
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $279,233
    Deposits by Commercial banks and other depository institutions in U.S. $52,017
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,967,492
    Demand deposits $1,967,492
    Nontransaction accounts $1,072,732
    Money market deposit accounts (MMDAs) $433,314
    Other savings deposits (excluding MMDAs) $298,627
    Total time deposits $340,791
    Total time and savings deposits $1,072,732
    Noninterest-bearing deposits $956,083
    Interest-bearing deposits $2,084,141
    Retail deposits $2,955,526
    IRAs and Keogh plan accounts $40,845
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,519,638
    Cash & Balances due from depository institutions $414,816
    Interest-bearing balances $371,563
    Total securities $0
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,886,463
    Loan and leases loss allowance $30,675
    Trading account assets $0
    Bank premises and fixed assets $77,875
    Other real estate owned $8,701
    Goodwill and other intangibles $89,412
    All other assets $42,371

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,519,638
    Total Liabilities $3,044,765
    Total deposits $3,040,224
    Interest-bearing deposits $2,084,141
    Deposits held in domestic offices $3,040,224
    % insured (estimated) $57
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $209
    Subordinated debt $0
    All other liabilities $4,332

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,886,463
    Loan and leases loss allowance $30,675
    Total loans and leases (domestic) $2,917,138
    All real estate loans $1,881,604
    Real estate loans in domestic offices $1,881,604
    Construction and development loans $281,412
    Residential 1-4 family construction $47,623
    Other construction, all land development and other land $233,789
    Loans secured by nonfarm nonresidential properties $1,252,372
    Nonfarm nonresidential secured by owner-occupied properties $215,694
    Commercial real estate & other non-farm, non-residential $1,036,678
    Multifamily residential real estate $23,907
    1-4 family residential loans $185,243
    Farmland loans $138,670
    Loans held in foreign offices $0
    Farm loans $238,256
    Commercial and industrial loans $780,499
    To non-U.S. addressees $0
    Loans to individuals $18,319
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $7,471
    Other loans to individuals $10,848
    All other loans & leases $5,482
    Loans to foreign governments and official institutions $0
    Other loans $3,184
    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 $113
    Restructured Loans & leases $3,780
    Non 1-4 family restructured loans & leases $3,780
    Total loans and leases (foreign) $0

    InterBank had $2,886,463,000 of loans outstanding in 2020. $1,881,604,000 of loans were in real estate loans. $281,412,000 of loans were in development loans. $23,907,000 of loans were in multifamily mortgage loans. $185,243,000 of loans were in 1-4 family mortgage loans. $238,256,000 of loans were in farm loans. $0 of loans were in credit card loans. $7,471,000 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 623 $125,683 $201,738
    Nonfarm, nonresidential loans - <$100k 211 $7,648 $36,246
    Nonfarm, nonresidential loans - $100-250k 158 $18,097 $114,538
    Nonfarm, nonresidential loans - $250k-1MM 254 $99,938 $393,457
    Commercial & Industrial, US addressed loans - <$1MM 2,142 $105,637 $49,317
    Commercial & Industrial, US addressed loans - <$100k 1,771 $36,432 $20,571
    Commercial & Industrial, US addressed loans - $100-250k 230 $24,534 $106,670
    Commercial & Industrial, US addressed loans - $250k-1MM 141 $44,671 $316,816
    Farmland loans - <$1MM 428 $45,999 $107,474
    Farmland loans - <$100k 207 $7,748 $37,430
    Farmland loans - $100-250k 154 $18,903 $122,747
    Farmland loans - $250k-1MM 67 $19,348 $288,776
    Agriculture operations loans - <$1MM 1,432 $54,972 $38,388
    Agriculture operations loans - <$100k 1,213 $23,464 $19,344
    Agriculture operations loans - $100-250k 156 $16,605 $106,442
    Agriculture operations loans - $250k-1MM 63 $14,903 $236,556