BlastPoint's Banking Scorecard
Shamrock Bank, N.A.
Coalgate, OK
8 branches across OK
Shamrock Bank, N.A. has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.11% above tier average
- + Efficiency Ratio 1.47% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 36.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$503.7M
+6.6% YoY
+3.6% QoQ
|
+$117.7M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$322.1M
+10.6% YoY
-0.5% QoQ
|
+$66.3M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$458.1M
+5.2% YoY
+3.7% QoQ
|
+$130.1M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.60%
+42.7% YoY
+20.6% QoQ
|
+0.33% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
4.04%
+11.8% YoY
+6.0% QoQ
|
+0.11% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
63.82%
-8.5% YoY
-2.3% QoQ
|
-1.47% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
0.30%
+761.9% YoY
+1.8% QoQ
|
-0.59% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
70.30%
+5.1% YoY
-4.0% QoQ
|
-6.34% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
32.12%
+1.9% YoY
+2.9% QoQ
|
+10.10% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 13.7% in tier |
| Nonperforming Asset Ratio ? |
0.19%
+793.9% YoY
-2.3% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
10.41%
+2.6% YoY
+6.2% QoQ
|
-5.42% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.15%
-1.5% YoY
-74.6% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
72% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.