YNB
Total assets
$261.4M
▲ +8.3% YoY
Deposits
$232.5M
▲ +5.1% YoY
Loans
$144.5M
▲ +16.6% YoY
Offices
5
INTL BANCSHARES OK
ROA (annualized)
0.55%
peers 1.24%
ROE (annualized)
7.05%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | YNB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +16.6% | +5.6% | +11.1 pts |
| ROA | 0.55% | 1.24% | -0.7 pts |
| ROE | 7.0% | 11.9% | -4.8 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- INTL BANCSHARES OK
- Specialization
- Commercial Lending Specialization
- Address
- 401 Elm Ave, Yukon, OK, 73099
- County
- Canadian
- Metro area
- Oklahoma City, OK
- Offices
- 5
- FDIC cert #
- 4235
- RSSD ID
- 953852
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.4M | $232.5M | $144.5M | $20.5M | $718K | 0.55% | 3.75% | 0.79% |
| Q1 2026 | $270.1M | $249.3M | $132.7M | $20.1M | $330K | 0.51% | 3.68% | 0.53% |
| Q4 2025 | $248.9M | $227.2M | $125.2M | $20.5M | $1.0M | 0.42% | 3.64% | 0.58% |
| Q3 2025 | $241.2M | $220.1M | $121.4M | $19.8M | $768K | 0.43% | 3.65% | 0.06% |
| Q2 2025 | $241.4M | $221.2M | $123.9M | $19.1M | $511K | 0.43% | 3.60% | 0.07% |
| Q1 2025 | $242.9M | $224.0M | $130.4M | $18.2M | $288K | 0.49% | 3.65% | 0.22% |
| Q4 2024 | $226.4M | $200.2M | $127.4M | $18.6M | $1.8M | 0.71% | 3.93% | 0.21% |
| Q3 2024 | $263.5M | $243.2M | $127.5M | $19.6M | $1.4M | 0.76% | 3.82% | 0.15% |
Loan mix (Q2 2026): real estate $120.9M · commercial $11.6M · consumer $12.9M · securities $88.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | YNB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | YNB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | YNB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | YNB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | YNB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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