Armstrong Bank
Muskogee, OK · Cert 2315 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ironhorse Financial Group Inc.
State charter, Fed member · FED · 29 branches
Q2 2026
$2.8BAssets
$2.1BLoans
$2.6BDeposits
$232.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 86% of banks $1B-$10B in assets operating regionally (rank 25 of 176).
- Widest gap: equity / assets trails 88% of banks $1B-$10B in assets operating regionally (rank 155 of 176).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.32%
Rank 77 of 176
Net Interest Margin
3.59%
Rank 88 of 176
Efficiency Ratio
59.21%
Rank 87 of 176
Equity / Assets
8.19%
Rank 155 of 176
Non-interest income vs. expense
Unfavorable gap of $51.4M · efficiency ratio beats 51% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.32% | 0.93% | 1.26% | 1.54% | Beats 56% | 77 / 176 | | |
| Return on Equity | 16.09% | 9.26% | 11.89% | 14.46% | Beats 86% | 25 / 176 | | |
| Net Interest Margin | 3.59% | 3.25% | 3.59% | 3.93% | Beats 50% | 88 / 176 | | |
| Efficiency Ratio | 59.21% | 52.79% | 59.55% | 67.66% | Beats 51% | 87 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.30% | 0.64% | 1.32% | Beats 82% | 33 / 176 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 24% | 135 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.89% | 11.15% | 12.72% | 14.15% | Beats 71% | 51 / 176 | | |
| Total Risk-Based Capital Ratio | 14.97% | 11.81% | 13.63% | 15.33% | Beats 72% | 50 / 176 | | |
| Equity / Assets | 8.19% | 9.16% | 10.35% | 11.80% | Beats 12% | 155 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.18% | 80.94% | 89.73% | 97.21% | 22nd pctl | 138 / 176 | | |
| Loans / Assets | 73.03% | 69.25% | 75.12% | 80.82% | 40th pctl | 105 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |