PackageTrendsPeer
Letter portraitLegal landscape

Shamrock Bank, National Association

Coalgate, OK · Cert 4236 · Shamrock Bancshares Employee STK Ownership Plan

National charter · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

20

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Shamrock Bank, National Association

Coalgate, OK · Cert 4236 · Shamrock Bancshares Employee STK Ownership Plan

National charter · OCC · 8 branches

Q2 2026

$501.5MAssets
$326.8MLoans
$452.9MDeposits
$45.4MEquity
Loan mix
90%RE $269.7M5%C&I $14.0M6%Consumer $17.2MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $307.0M32%Noninterest $145.9MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.22%Q2 ’255.45%Q2 ’26+6%+12%

Non-interest income vs. expense

2.71%Q2 ’242.74%Q2 ’252.71%Q2 ’26+2%-2%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.0% share · #69 of 71 inst. · $0.0B of $60.8B

3.7% Bryan
76.5% Coal
7.4% Caddo
18.9% Pushmataha

Executive Summary

  • Earnings: ROA of 1.38%, up 39 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.29% of loans (+26 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.79%, up 53 bps from a year ago.
  • Funding: loans stand at 72.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+41 bps YoY

Efficiency Ratio (YTD, annualized)

60.95%-713 bps YoY

Tier 1 Leverage Ratio

10.79%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.99%1.05%1.26%1.38%+39 bps
Return on Equity13.61%13.19%13.75%15.17%16.10%+249 bps
Net Interest Margin3.44%3.46%3.53%3.81%3.86%+41 bps
Efficiency Ratio68.08%66.27%65.29%63.82%60.95%-713 bps
Non-Interest Burden2.16%2.10%2.11%2.22%2.12%-4 bps
Growth
Asset Growth (YoY)6.22%9.78%8.44%6.61%4.23%-199 bps
Loan Growth (YoY)15.99%16.54%15.07%10.60%8.06%-793 bps
Deposit Growth (YoY)9.18%13.99%10.38%5.19%2.68%-650 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.05%0.29%0.29%0.29%+26 bps
Net Charge-Offs / Loans0.02%0.01%0.03%-0.03%-0.01%-3 bps
Allowance / Loans1.22%1.30%1.26%1.28%1.27%+5 bps
Allowance Coverage of NPLs44.6x27.2x4.4x4.4x4.4x-40.2x
Capital
Tier 1 Leverage Ratio10.27%10.35%9.80%10.41%10.79%+53 bps
Total Risk-Based Capital10.27%10.35%9.80%10.41%10.79%+53 bps
Equity / Assets7.77%8.25%8.10%8.52%9.06%+129 bps
Liquidity & Funding
Loans / Deposits68.58%69.68%74.15%71.21%72.17%+359 bps
Liquid Assets / Assets4.98%4.51%1.15%1.13%1.24%-374 bps
CRE / Total Capitaln/a298%323%296%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Shamrock Bank, National Association

Coalgate, OK · Cert 4236 · Peer group: banks under $1B in assets in OK (n=88-89) · Shamrock Bancshares Employee STK Ownership Plan

National charter · OCC · 8 branches

Q2 2026

$501.5MAssets
$326.8MLoans
$452.9MDeposits
$45.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 79% of banks under $1B in assets in OK (rank 19 of 89).
  • Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in OK (rank 73 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.37%

Rank 35 of 89

Net Interest Margin

3.86%

Rank 49 of 89

Efficiency Ratio

60.95%

Rank 45 of 89

Equity / Assets

9.06%

Rank 70 of 89

Non-interest income vs. expense

$3.0M$13.6MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 51% of banks under $1B in assets in OK
Bank 60.95%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.85%1.26%1.60%Beats 61%35 / 89
Return on Equity15.09%7.40%11.89%14.65%Beats 79%19 / 89
Net Interest Margin3.86%3.46%3.93%4.45%Beats 45%49 / 89
Efficiency Ratio60.95%54.70%60.95%71.14%Beats 51%45 / 89
Asset Quality
Nonperforming Loans / Loans0.29%0.30%0.82%2.25%Beats 76%22 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 68%29 / 88
Capital
Tier 1 Capital Ratio10.79%10.89%13.00%16.33%Beats 20%71 / 89
Total Risk-Based Capital Ratio10.79%11.20%13.06%16.33%Beats 18%73 / 89
Equity / Assets9.06%9.26%10.94%13.52%Beats 21%70 / 89
Liquidity & Funding
Loans / Deposits72.17%61.51%72.27%84.01%49th pctl45 / 88
Loans / Assets65.18%52.51%63.15%71.27%53rd pctl42 / 89
Brokered Deposits / Depositsn/aNot reported for this institution