Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Idabel, OK · FDIC certificate #4241
IDABEL NATIONAL BANK is an FDIC-insured institution based in Idabel, OK (FDIC certificate #4241). In its Q3 2026 Call Report it reported total assets of $233M, total deposits of $196M and net loans of $140M. Its primary federal regulator is OCC.
Plain-language readout
IDABEL NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $251M in Q1 2026 and were lowest at $233M in Q3 2026.
Total deposits were highest at $209M in Q1 2026 and lowest at $196M in Q3 2026.
Over the whole period total assets fell 7.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $233M | $196M | $140M | 0.95% | 6.39% | 3.58% |
| Q2 2026 | $242M | $202M | $151M | 0.92% | 6.15% | 3.49% |
| Q1 2026 | $251M | $209M | $160M | 0.84% | 5.71% | 3.29% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.8M | $3.4M | +$461K | +13.7% |
| Federal funds sold | $3.1M | $10.5M | -$7.4M | -70.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $80.0M | $72.7M | +$7.3M | +10.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $59K | -$59K | -100.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $150.8M | $160.2M | -$9.4M | -5.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $406K | $368K | +$38K | +10.3% |
| Other real estate owned | $709K | $552K | +$157K | +28.4% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $3.3M | $3.1M | +$245K | +7.9% |
| Total assets | $242.3M | $250.8M | -$8.5M | -3.4% |
| Liabilities | ||||
| Total deposits | $201.7M | $209.3M | -$7.6M | -3.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.0M | $2.0M | -$1.0M | -50.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.3M | $2.3M | -$29K | -1.2% |
| Total liabilities | $205.0M | $213.6M | -$8.7M | -4.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $11.7M | $11.7M | $0K | 0.0% |
| Retained earnings | $27.4M | $27.0M | +$354K | +1.3% |
| Accumulated other comprehensive income | -$2.2M | -$2.0M | -$234K | -11.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $37.3M | $37.2M | +$120K | +0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $13.8M | $16.1M | -$2.3M | -14.2% |
| Adjusted nonperforming assets | $13.8M | $16.1M | -$2.3M | -14.2% |
| Tangible equity plus allowance | $42.8M | $42.6M | +$136K | +0.3% |
| Texas ratio (gross) | 32.32% | 37.81% | -5.48 pts | See points |
| Texas ratio (adjusted) | 32.32% | 37.81% | -5.48 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 32.32% | 37.81% | -5.48 pts | See points |
| Tier 1 capital to risk-weighted assets | 23.53% | 22.01% | +1.53 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 23.53% | 22.01% | +1.53 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.27% | 1.27% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 24.81% | 23.28% | +1.53 pts | See points |
| Tier 1 leverage (approximate) | 16.18% | 15.49% | +0.69 pts | See points |
| Construction and land loans to total capital | 65.77% | 67.03% | -1.26 pts | See points |
| Commercial real estate to total capital | 241.11% | 258.53% | -17.41 pts | See points |
| Dividend payout, year to date | 21.93% | 0.00% | +21.93 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.58% | -6.38% | -1.20 pts | See points |
| Liquidity | ||||
| Core deposits | $110.8M | $117.7M | -$6.9M | -5.9% |
| Non-core funding | $91.9M | $93.6M | -$1.7M | -1.8% |
| Loans to core deposits | 141.12% | 140.78% | +0.35 pts | See points |
| Loans to deposits | 77.51% | 79.14% | -1.64 pts | See points |
| Brokered deposits share of deposits | 21.00% | 20.01% | +0.99 pts | See points |
| Pledged securities share of securities | 37.39% | 40.32% | -2.93 pts | See points |
| Loans pledged, share of loans | 25.03% | 14.78% | +10.25 pts | See points |
| Volatile liabilities | $103.7M | $106.9M | -$3.2M | -3.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.0M | +$1.3M | +126.2% |
| Earnings before provision, single quarter | $1.3M | $1.0M | +$265K | +26.2% |
| Provision for credit losses, year to date | $770K | $375K | +$395K | +105.3% |
| Yield and cost | ||||
| Yield on loans and leases | 6.12% | 5.57% | +0.55 pts | See points |
| Yield on interest-bearing balances due from banks | 4.35% | 4.07% | +0.28 pts | See points |
| Total interest income to average assets | 5.42% | 5.02% | +0.39 pts | See points |
| Cost of interest-bearing transaction accounts | 1.79% | 1.77% | +0.02 pts | See points |
| Cost of savings and money market deposits | 0.66% | 0.68% | -0.01 pts | See points |
| Cost of time deposits | 3.36% | 3.40% | -0.04 pts | See points |
| Total interest expense to average assets | 1.81% | 1.84% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $233M | $196M | $140M | 0.95% | 6.39% | 3.58% |
| 2026-06-30 | $242M | $202M | $151M | 0.92% | 6.15% | 3.49% |
| 2026-03-31 | $251M | $209M | $160M | 0.84% | 5.71% | 3.29% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $212.7M | 0.15% | 105 | Continuing · -0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.