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Shamrock Bank, N.A.
Coalgate, OK · FDIC Certificate #4236 · Chartered 01/0
Total assets
$501.46M
Total deposits
$452.86M
Total equity
$45.41M
Net loans
$322.68M
Branches (offices)
8
Net income (YTD)
$4.37M
Rank: #1,785 of 4,213 U.S. banks by assets · #52 of 168 in Oklahoma. Assets changed 4.2% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 20.52% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 9.06% |
| Tier 1 leverage ratio | 10.79% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 71.3% |
| Real estate loans (share of loans) | 84.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $272.64M | 84.5% | |
| Commercial & industrial | $15.05M | 4.7% | |
| Consumer / individual | $16.68M | 5.2% | |
| Construction & development | $39.05M | 12.1% | |
| Agricultural | $22.33M | 6.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $420.16M | $389.13M | $2.21M | $27.82M |
| Jun 2023 | $434.54M | $404.19M | $2.31M | $27.24M |
| Jun 2024 | $452.92M | $403.98M | $2.51M | $30.56M |
| Jun 2025 | $481.11M | $441.05M | $2.94M | $37.38M |
| Jun 2026 | $501.46M | $452.86M | $4.37M | $45.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $452.86M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $452.86M.
Similar-sized banks
Petefish, Skiles & Co. ($501.62M) · The First National Bank Of Mertzon ($500.29M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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