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Old Glory Bank

Elmore City, OK · Cert 18924 · Old Glory Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$276.8MAssets
$23.1MLoans
$268.7MDeposits
$6.8MEquity
Loan mix
71%RE $18.2M23%C&I $5.8M6%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $171.2M36%Noninterest $97.4MQ2 2025Q2 2026

NIM

4.38%Q2 ’244.11%Q2 ’254.52%Q2 ’26-14%+13%

Non-interest income vs. expense

16.00%Q2 ’2411.85%Q2 ’2510.62%Q2 ’26-22%-17%

Executive Summary

  • Earnings: ROA of -5.89%, up 236 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 6.58% of loans (+611 bps YoY), with net charge-offs at 1.97%.
  • Capital: tier 1 leverage ratio of 2.69%, down 191 bps from a year ago.
  • Funding: loans stand at 8.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-5.89%+236 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+43 bps YoY

Efficiency Ratio (YTD, annualized)

210%-8,865 bps YoY

Tier 1 Leverage Ratio

2.69%-191 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-8.25%-7.16%-6.00%-6.59%-5.89%+236 bps
Return on Equity-163.11%-148.11%-131.16%-192.66%-190.79%-2,769 bps
Net Interest Margin3.29%3.26%3.36%3.81%3.73%+43 bps
Efficiency Ratio299%245%217%223%210%-8,865 bps
Non-Interest Burden11.18%9.87%8.82%10.13%9.30%-188 bps
Growth
Asset Growth (YoY)66.42%48.25%40.34%37.47%19.04%-4,738 bps
Loan Growth (YoY)397%455%305%152.89%39.36%-35,719 bps
Deposit Growth (YoY)72.32%51.63%42.55%40.80%21.07%-5,125 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.13%2.67%2.13%6.58%+611 bps
Net Charge-Offs / Loans0.00%0.56%1.31%0.83%1.97%+197 bps
Allowance / Loans1.16%0.89%1.24%1.42%1.08%-8 bps
Allowance Coverage of NPLs2.4x7.0x0.5x0.7x0.2x-2.3x
Capital
Tier 1 Leverage Ratio4.60%4.43%4.17%3.42%2.69%-191 bps
Total Risk-Based Capital27.61%19.54%18.76%14.59%11.57%-1,605 bps
Equity / Assets4.23%4.25%3.71%3.15%2.45%-178 bps
Liquidity & Funding
Loans / Deposits7.47%8.27%7.41%9.63%8.60%+113 bps
Liquid Assets / Assets53.77%21.06%18.82%11.57%8.83%-4,495 bps
CRE / Total Capitaln/a80.12%91.55%125.57%n/an/a