Elmore City, OK · Cert 18924 · Old Glory Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -6.63% | -8.28% | -6.89% | -9.53% | -5.09% | -3.02% | -6.59% | -5.14% | +439 bps | |
| Return on Equity | -92.48% | -137.19% | -123.88% | -195.46% | -119.92% | -76.13% | -192.66% | -183.54% | +1,192 bps | |
| Net Interest Margin | 4.61% | 3.83% | 3.45% | 3.51% | 3.74% | 4.02% | 3.81% | 3.79% | +28 bps | |
| Efficiency Ratio | 230% | 300% | 274% | 318% | 184.12% | 149.29% | 223% | 198.10% | -12,030 bps | |
| Non-Interest Burden | 11.29% | 12.08% | 10.33% | 13.13% | 9.13% | 6.76% | 10.13% | 8.84% | -430 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 82.08% | 85.05% | 65.25% | 66.42% | 48.25% | 40.34% | 37.47% | 19.04% | -4,738 bps | |
| Loan Growth (YoY) | -51.55% | -6.39% | 0.98% | 397% | 455% | 305% | 152.89% | 39.36% | -35,719 bps | |
| Deposit Growth (YoY) | 96.49% | 100.75% | 80.17% | 72.32% | 51.63% | 42.55% | 40.80% | 21.07% | -5,125 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.79% | 0.77% | 0.48% | 0.13% | 2.67% | 2.13% | 6.58% | +611 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.69% | 3.52% | 0.83% | 3.01% | +301 bps | |
| Allowance / Loans | 1.19% | 0.93% | 1.06% | 1.16% | 0.89% | 1.24% | 1.42% | 1.08% | -8 bps | |
| Allowance Coverage of NPLs | n/a | 0.5x | 1.4x | 2.4x | 7.0x | 0.5x | 0.7x | 0.2x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.12% | 5.80% | 5.90% | 4.60% | 4.43% | 4.17% | 3.42% | 2.69% | -191 bps | |
| Total Risk-Based Capital | 84.48% | 61.28% | 50.72% | 27.61% | 19.54% | 18.76% | 14.59% | 11.57% | -1,605 bps | |
| Equity / Assets | 6.65% | 5.50% | 5.61% | 4.23% | 4.25% | 3.71% | 3.15% | 2.45% | -178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 2.26% | 2.61% | 5.36% | 7.47% | 8.27% | 7.41% | 9.63% | 8.60% | +113 bps | |
| Liquid Assets / Assets | 78.61% | 72.00% | 64.43% | 53.77% | 21.06% | 18.82% | 11.57% | 8.83% | -4,495 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 80.12% | 91.55% | 125.57% | n/a | n/a | |