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Shamrock Bank, N.A.

$100M-$1B Specialty: Commercial OK FDIC cert 4236

Coalgate, OK

8 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +2.7% year over year ($452.9M on the books).
  • Delinquency rate 0.29%.
  • Return on assets 1.76%.
  • Efficiency ratio 60.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.25% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

Shamrock Bank, N.A. has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 33.0% in tier
  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 3.53% below tier average
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 37.4% in tier
  • - Credit Risk Growth: Bottom 44.3% in tier
Get updates when Shamrock Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $501.5M
+4.2% YoY -0.5% QoQ
+$114.9M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $322.7M
+8.0% YoY +0.2% QoQ
+$64.3M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $452.9M
+2.7% YoY -1.1% QoQ
+$126.1M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.76%
+39.8% YoY +9.5% QoQ
+0.43% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 4.11%
+11.7% YoY +1.7% QoQ
+0.12% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 60.95%
-10.5% YoY -4.5% QoQ
-3.53% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.29%
+955.3% YoY -0.9% QoQ
-0.63% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 71.25%
+5.2% YoY +1.4% QoQ
-6.70% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 32.21%
+5.1% YoY +0.3% QoQ
+10.18% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 13.9% in tier
Nonperforming Asset Ratio ? 0.19%
+993.5% YoY -0.3% QoQ
-0.48% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 10.79%
+5.1% YoY +3.7% QoQ
-5.12% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.30%
+2.9% YoY +103.7% QoQ
-0.27% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 32.2%
+1.6pp YoY
+0.1pp QoQ
 +10.1pp 22.1% 23.9% 22.2% 86%
Brokered Deposits 1.7%
-3.1pp YoY
-1.1pp QoQ
 -6.2pp 7.9% 9.7% 8.5% 26%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 4.7%
-0.8pp YoY
+0.3pp QoQ
 -6.9pp 11.6% 15.7% 12.5% 18%
CRE 48.2%
0.0pp YoY
+0.5pp QoQ
 +8.7pp 39.5% 42.0% 41.4% 67%
1-4 Family 27.1%
-1.2pp YoY
-0.7pp QoQ
 -5.5pp 32.6% 24.0% 31.3% 45%
Consumer 5.2%
-0.7pp YoY
-0.2pp QoQ
 +1.1pp 4.1% 5.6% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.8%
+0.5pp YoY
+0.4pp QoQ
 -1.4pp 12.2% 11.7% 12.6% 46%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 86
-1 (-1.1%) YoY
0 QoQ
 +27 58 150 482 81%
Assets per Employee ($) $5.8M
+5.4% YoY
-0.5% QoQ
 -$1.7M $7.5M $6.5M $8.8M 30%
Branch Count 8
0 YoY
0 QoQ
 +3 4 8 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.9% 0.4% 12%
Nonaccrual 0.3%
+0.3pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.5% 1.0% 37%
Allowance Coverage 4.40x
-90.1% YoY
+0.6% QoQ
 -19.75x 24.15x 61.99x 20.23x 67%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 20.5%
+3.2pp YoY
+1.2pp QoQ
 +8.3pp 12.2% 11.9% 11.6% 89%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 50%
Net Income ($, YTD) $4.4M
+48.7% YoY
— QoQ
 +$1.8M $2.6M $8.7M $40.4M 83%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#219 of 661 • Top 33.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.76%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Credit Quality Pressure

risk
#471 of 1256 • Bottom 37.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.29%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#416 of 936 • Bottom 44.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

369
Non-Interest-Bearing Deposit Share
funding
Value: 32.21%
Peer Median: 22.03%
#369 of 2643 Top 13.9% in $100M-$1B
576
Return on Assets
profitability
Value: 1.76%
Peer Median: 1.32%
#576 of 2643 Top 21.8% in $100M-$1B
656
Total Deposits
size
Value: $452.86M
Peer Median: $326.73M
#656 of 2643 Top 24.8% in $100M-$1B

Top Weaknesses (1 metrics)

2106
Tier 1 Capital Ratio
capital
Value: 10.79%
Peer Median: 15.91%
#2106 of 2643 Bottom 20.4% in $100M-$1B
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