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
Unfavorable gap of $10.7M · efficiency ratio beats 51% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.85% | 1.26% | 1.60% | Beats 61% | 35 / 89 | |
| Return on Equity | 15.09% | 7.40% | 11.89% | 14.65% | Beats 79% | 19 / 89 | |
| Net Interest Margin | 3.86% | 3.46% | 3.93% | 4.45% | Beats 45% | 49 / 89 | |
| Efficiency Ratio | 60.95% | 54.70% | 60.95% | 71.14% | Beats 51% | 45 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.30% | 0.82% | 2.25% | Beats 76% | 22 / 88 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 68% | 29 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 10.89% | 13.00% | 16.33% | Beats 20% | 71 / 89 | |
| Total Risk-Based Capital Ratio | 10.79% | 11.20% | 13.06% | 16.33% | Beats 18% | 73 / 89 | |
| Equity / Assets | 9.06% | 9.26% | 10.94% | 13.52% | Beats 21% | 70 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 72.17% | 61.51% | 72.27% | 84.01% | 49th pctl | 45 / 88 | |
| Loans / Assets | 65.18% | 52.51% | 63.15% | 71.27% | 53rd pctl | 42 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |