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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Coalgate, OK · FDIC certificate #4236
SHAMROCK BANK N A is an FDIC-insured institution based in Coalgate, OK (FDIC certificate #4236). In its Q3 2026 Call Report it reported total assets of $496M, total deposits of $447M and net loans of $337M. Its primary federal regulator is OCC.
Plain-language readout
SHAMROCK BANK N A has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $504M in Q1 2026 and were lowest at $496M in Q3 2026.
Total deposits were highest at $458M in Q1 2026 and lowest at $447M in Q3 2026.
Over the whole period total assets fell 1.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $496M | $447M | $337M | 1.67% | 19.28% | 4.16% |
| Q2 2026 | $501M | $453M | $323M | 1.76% | 20.52% | 4.11% |
| Q1 2026 | $504M | $458M | $322M | 1.60% | 19.30% | 4.04% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.9M | $12.0M | +$885K | +7.4% |
| Federal funds sold | $16.5M | $20.6M | -$4.1M | -20.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $134.8M | $134.7M | +$117K | +0.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $322.7M | $322.1M | +$621K | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.1M | $4.1M | -$13K | -0.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.5M | $10.2M | +$241K | +2.4% |
| Total assets | $501.5M | $503.7M | -$2.3M | -0.5% |
| Liabilities | ||||
| Total deposits | $452.9M | $458.1M | -$5.3M | -1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $2.7M | +$466K | +17.1% |
| Total liabilities | $456.0M | $460.8M | -$4.8M | -1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $800K | $800K | $0K | 0.0% |
| Surplus | $11.8M | $11.8M | $0K | 0.0% |
| Retained earnings | $41.7M | $39.3M | +$2.4M | +6.1% |
| Accumulated other comprehensive income | -$8.9M | -$9.0M | +$135K | +1.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $45.4M | $42.9M | +$2.5M | +5.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $946K | $953K | -$7K | -0.7% |
| Adjusted nonperforming assets | $946K | $953K | -$7K | -0.7% |
| Tangible equity plus allowance | $49.6M | $47.1M | +$2.5M | +5.3% |
| Texas ratio (gross) | 1.91% | 2.02% | -0.12 pts | See points |
| Texas ratio (adjusted) | 1.91% | 2.02% | -0.12 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.91% | 2.02% | -0.12 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.79% | 10.41% | +0.38 pts | See points |
| Construction and land loans to total capital | 66.83% | 60.02% | +6.82 pts | See points |
| Commercial real estate to total capital | 210.46% | 213.25% | -2.79 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -16.33% | -17.33% | +1.01 pts | See points |
| Liquidity | ||||
| Core deposits | $397.4M | $397.9M | -$516K | -0.1% |
| Non-core funding | $55.5M | $60.2M | -$4.7M | -7.9% |
| Loans to core deposits | 82.24% | 81.98% | +0.26 pts | See points |
| Loans to deposits | 72.17% | 71.21% | +0.96 pts | See points |
| Brokered deposits share of deposits | 1.69% | 2.77% | -1.08 pts | See points |
| Pledged securities share of securities | 26.39% | 26.59% | -0.20 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $55.5M | $60.2M | -$4.7M | -7.9% |
| Earnings | ||||
| Earnings before provision, year to date | $4.4M | $2.0M | +$2.4M | +120.0% |
| Earnings before provision, single quarter | $2.4M | $2.0M | +$397K | +20.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.29% | 7.23% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.81% | 3.20% | +0.61 pts | See points |
| Total interest income to average assets | 5.51% | 5.43% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.54% | 0.54% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.52% | 1.55% | -0.03 pts | See points |
| Cost of time deposits | 4.02% | 3.82% | +0.20 pts | See points |
| Total interest expense to average assets | 1.57% | 1.62% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $496M | $447M | $337M | 1.67% | 19.28% | 4.16% |
| 2026-06-30 | $501M | $453M | $323M | 1.76% | 20.52% | 4.11% |
| 2026-03-31 | $504M | $458M | $322M | 1.60% | 19.30% | 4.04% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $441M | 0.31% | 55 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.