Interstate Bank: how it compares with its peers
Against 139 TX banks with half to twice its assets, Interstate Bank's strongest measure in Q2 2026 is assets per employee ($8.7M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.31% vs. 4.21%).
| Measure | Interstate Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.46% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 4.21% | Bottom third Ahead of 14% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.52% | 60.89% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $6.7M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.93% | 68.04% | Context |
What it means for lending operations
Its efficiency ratio of 64.52% is above the 60.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- One World Bank Dallas, TX · $290M
- Victory Bank Lubbock, TX · $285M
- Charter Bank Corpus Christi, TX · $292M
- The Jacksboro National Bank Jacksboro, TX · $283M
- Coleman County State Bank Coleman, TX · $295M
- Arrowhead Bank Llano, TX · $295M
Questions about Interstate Bank
How big is Interstate Bank?
Interstate Bank, established in 1957, is headquartered in Perryton, TX. It reported $288M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Interstate Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.46% median for 139 TX banks with half to twice its assets, ahead of 37% of them.
What is Interstate Bank's efficiency ratio?
64.52% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is Interstate Bank growing its loans?
Net loans shrank 10.8% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.