Coalgate, OK · Cert 4236 · Shamrock Bancshares Employee STK Ownership Plan
National charter · OCC · 8 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.0% share · #69 of 71 inst. · $0.0B of $60.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.93% | 0.88% | 0.99% | 0.99% | 1.05% | 1.26% | 1.38% | +39 bps | |
| Return on Equity | 13.38% | 13.44% | 12.65% | 13.61% | 13.19% | 13.75% | 15.17% | 16.10% | +249 bps | |
| Net Interest Margin | 3.29% | 3.32% | 3.41% | 3.44% | 3.46% | 3.53% | 3.81% | 3.86% | +41 bps | |
| Efficiency Ratio | 69.52% | 68.81% | 69.75% | 68.08% | 66.27% | 65.29% | 63.82% | 60.95% | -713 bps | |
| Non-Interest Burden | 2.11% | 2.10% | 2.19% | 2.16% | 2.10% | 2.11% | 2.22% | 2.12% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.43% | 4.48% | 5.04% | 6.22% | 9.78% | 8.44% | 6.61% | 4.23% | -199 bps | |
| Loan Growth (YoY) | 10.05% | 16.56% | 17.41% | 15.99% | 16.54% | 15.07% | 10.60% | 8.06% | -793 bps | |
| Deposit Growth (YoY) | -1.03% | 0.49% | 8.03% | 9.18% | 13.99% | 10.38% | 5.19% | 2.68% | -650 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.09% | 0.03% | 0.03% | 0.05% | 0.29% | 0.29% | 0.29% | +26 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | 0.03% | 0.02% | 0.01% | 0.03% | -0.03% | -0.01% | -3 bps | |
| Allowance / Loans | 1.29% | 1.27% | 1.25% | 1.22% | 1.30% | 1.26% | 1.28% | 1.27% | +5 bps | |
| Allowance Coverage of NPLs | 18.0x | 13.9x | 37.0x | 44.6x | 27.2x | 4.4x | 4.4x | 4.4x | -40.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.86% | 10.18% | 10.15% | 10.27% | 10.35% | 9.80% | 10.41% | 10.79% | +53 bps | |
| Total Risk-Based Capital | 10.86% | 10.18% | 10.15% | 10.27% | 10.35% | 9.80% | 10.41% | 10.79% | +53 bps | |
| Equity / Assets | 8.23% | 6.77% | 7.20% | 7.77% | 8.25% | 8.10% | 8.52% | 9.06% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.16% | 71.13% | 67.73% | 68.58% | 69.68% | 74.15% | 71.21% | 72.17% | +359 bps | |
| Liquid Assets / Assets | 3.44% | 1.20% | 1.37% | 4.98% | 4.51% | 1.15% | 1.13% | 1.24% | -374 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 298% | 323% | 296% | n/a | n/a | |