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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