Armstrong Bank
BankRegReports is independent of Armstrong Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Armstrong Bank is an FDIC-insured commercial bank headquartered in Muskogee, OK, established in 1910 (FDIC certificate 2315), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.84B, up 15.1% from Q2 2025, the 9th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 13.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 2315
- Headquarters
- Muskogee, OK
- Established
- 1910
- Total assets, Q2 2026
- $2.84B
- Assets vs Q2 2025
- +15.1%
- CET1 ratio, Q2 2026
- 13.89%
- Domestic offices
- 29 FDIC institution directory, current count
- Routing number
- 103104528
- Holding company
- IRONHORSE FINANCIAL GROUP, INC.
- Asset rank in state
- 9th of 169 in Oklahoma
Armstrong Bank, based in Muskogee, Oklahoma, reported $2.8 billion in assets at June 30, 2026, up 15.1% from a year earlier. It grew its loan book 19.7% over the year, about triple the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also returns 18.0% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $105 million equal 35% of Tier 1 capital, down from 56% a year earlier. Loans are outrunning deposits: over the year loans rose 19.7% and deposits rose 13.0%.
As of June 30, 2026, Armstrong Bank reported a CET1 capital ratio of 13.89%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 3.06%. The figures come from its call report filed with the FFIEC.
Armstrong Bank ranks as the 9th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.8% to $2.84B, loans rose 2.9% and deposits rose 5.3%. 1-4 family residential loans made up 32.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.2%. Its 29 offices in the FDIC Summary of Deposits are in 23 cities across 2 states; its Norman 3 offices book 21% of its branch deposits. Judged on its Q2 2026 call report, Armstrong Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1215 W Okmulgee St, Muskogee, OK 74401
- County
- Muskogee
- Metro Area
- Muskogee, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 15, 1910
- Domestic offices
- 29 FDIC institution directory, current count
- Employees (FTE)
- 421
- Domestic deposits
- $2.59B
- Allowance for credit losses
- $22.1M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $2.86B
- Average total loans
- $1.91B
- Average interest-bearing deposits
- $2.41B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2315
- Fed RSSD
- 470452
- SEC CIK
- 1390540 → filed by IRONHORSE FINANCIAL GROUP, INC.
- Website
- www.armstrong.bank →
- Parent Holding Company
- IRONHORSE FINANCIAL GROUP, INC. (RSSD 3488485)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Armstrong Bank's total assets moved between a low of $2.43B (Q3 2024) and a high of $2.84B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.84B total assets against $2.47B; $2.61B total liabilities against $2.31B.
$2.05B net loans and leases against $1.72B; $2.59B total deposits against $2.29B.
$532.4M securities against $556.3M; $98.3M cash and balances due against $45.6M.
$38.9M total interest income against $33.7M; $12.8M total interest expense against $12.4M.
$26.1M net interest income against $21.4M.
$5.5M total noninterest income against $5.5M; $18.0M total noninterest expense against $17.0M.
$1.5M provision for credit losses against $730K.
$10.1M net income against $8.0M.
1.42% return on assets against 1.24%; 3.99% net interest margin against 3.66%.
13.89% CET1 capital ratio against 14.14%; 10.42% tier 1 leverage ratio against 10.10%.
Inside the full Armstrong Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Armstrong Bank rankings
Its closest position to the top of a national ranking is 445 of 4,196, for total assets; its furthest is 716 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q4 2024) to 1.79% (Q3 2025) and its net interest margin ran from 2.78% (Q3 2024) to 3.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.89% | 1.42% | 0.25% | 3.06% | 3.99% |
| Q1 2026 | 13.69% | 1.24% | 0.27% | 3.11% | 3.93% |
| Q4 2025 | 13.74% | 0.89% | 0.34% | 3.55% | 3.96% |
| Q3 2025 | 14.21% | 1.79% | 0.27% | 3.01% | 3.85% |
| Q2 2025 | 14.14% | 1.24% | 0.32% | 3.69% | 3.66% |
| Q1 2025 | 14.32% | 0.92% | 0.20% | 3.02% | 3.08% |
| Q4 2024 | 14.34% | 0.86% | 0.50% | 5.66% | 2.98% |
| Q3 2024 | 14.63% | 0.98% | 0.34% | 3.27% | 2.78% |
Swipe the table sideways to see every column.
Branch Network
View all 29 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Main Branch | Norman , OK | 73069 | $362.3M |
| Armstrong Bank (main office) | Muskogee , OK | 74401 | $296.8M |
| Tahlequah Branch | Tahlequah , OK | 74464 | $216.6M |
| Republic Bank & Trust Branch | Norman , OK | 73072 | $135.8M |
| Wagoner Location Branch | Wagoner , OK | 74467 | $118.4M |
| Phoenix Branch | Fort Smith , AR | 72903 | $111.6M |
| Stilwell Branch | Stilwell , OK | 74960 | $98.4M |
| Sallisaw Office Branch | Sallisaw , OK | 74955 | $95.5M |
| Muldrow Branch | Muldrow , OK | 74948 | $93.1M |
| North Main Branch | Gore , OK | 74435 | $92.8M |
| Springdale Branch | Springdale , AR | 72762 | $91.2M |
| Warner Branch | Warner , OK | 74469 | $81.9M |
| Pawnee Branch | Pawnee , OK | 74058 | $75.3M |
| Vian Branch | Vian , OK | 74962 | $73.3M |
| Checotah Branch | Checotah , OK | 74426 | $68.4M |
| Tulsa - 41st Place Branch | Tulsa , OK | 74105 | $68.1M |
| Owasso Branch | Owasso , OK | 74055 | $67.7M |
| S. Western Branch | Oklahoma City , OK | 73170 | $57.2M |
| Bartlesville Branch | Bartlesville , OK | 74006 | $48.8M |
| Bixby Branch | Bixby , OK | 74008 | $46.2M |
| Norman Branch | Norman , OK | 73071 | $45.8M |
| 1700 South Lynn Riggs Branch | Claremore , OK | 74017 | $45.5M |
| Armstrong Bank Branch | Fort Smith , AR | 72903 | $45.2M |
| Downing Tahlequah East Branch | Tahlequah , OK | 74464 | $41.5M |
| Noble Oklahoma Branch | Noble , OK | 73068 | $40.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 4, 2020 | Structure Change | Acquired Vast Bank, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
| March 21, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 21, 2020 | Structure Change | Acquired Republic Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 23, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 23, 2015 | Structure Change | Acquired Benefit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1994 | Structure Change | Acquired Lake Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 19, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 19, 1991 | Structure Change | Acquired Sequoyah State Bank of Muldrow Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 1988 | Structure Change | Acquired The Security Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 14, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in OK, rank 10 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,326 applications, 958 loans originated, $2.64B originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.9M approved, $642K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Armstrong Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Armstrong Bank with peers
Frequently asked about Armstrong Bank
What are Armstrong Bank's total assets?
As of the Q2 2026 filing, Armstrong Bank reported total assets of $2.84 billion in its FFIEC call report.
Where is Armstrong Bank headquartered?
It is headquartered in Muskogee, OK, United States.
When was Armstrong Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Armstrong Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Armstrong Bank?
Armstrong Bank's primary federal regulator is the Federal Reserve.
What is Armstrong Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Armstrong Bank operate?
It operates 29 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Armstrong Bank's Texas Ratio?
Its Texas Ratio is 3.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Armstrong Bank.
Get an email when Armstrong Bank files its next call report, and benchmark it against any peer you choose.
Unlock Armstrong Bank, freeFree account