Old Glory Bank
BankRegReports is independent of Old Glory Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Old Glory Bank is an FDIC-insured commercial bank headquartered in Elmore City, OK, established in 1903 (FDIC certificate 18924), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $276.8M, up 19.0% from Q2 2025, the 87th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 11.19% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18924
- Headquarters
- Elmore City, OK
- Established
- 1903
- Total assets, Q2 2026
- $276.8M
- Assets vs Q2 2025
- +19.0%
- CET1 ratio, Q2 2026
- 11.19%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103107402
- Holding company
- OLD GLORY HOLDING COMPANY
- Asset rank in state
- 87th of 169 in Oklahoma
Problem loans are rising at Old Glory Bank. Its balance sheet stood at $277 million at June 30, 2026, up 19.0% from a year earlier; it is based in Elmore City, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.04% of loans from 0.48% a year earlier. It spends about 198 cents to bring in each dollar of revenue, about triple the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 0.81% on its deposits and borrowings, about half the median of 1.80% for banks its size.
It lost $3.6 million in the quarter. Over the same year, loans grew 39.4% and deposits grew 21.1%. Where it has less room is capital: it holds common equity equal to 11.19% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Old Glory Bank reported a CET1 capital ratio of 11.19%, a return on assets of -5.15%, a nonperforming-loan ratio of 6.58% and a Texas ratio of 16.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Old Glory Bank is the 87th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $276.8M, loans fell 11.0% and deposits fell 0.4%. Non-owner-occupied commercial real estate loans made up 40.9% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 33.9%. The FDIC Summary of Deposits lists a single office for it, in Elmore City, OK. On its Q2 2026 call report, Old Glory Bank falls below at least one capital ratio minimum for adequately capitalized.
Headquarters Profile
- Address
- 206 S Main St, Elmore City, OK 73433
- County
- Garvin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $268.7M
- Allowance for credit losses
- $250K
- Net charge-offs (YTD)
- $228K
- Average total assets
- $277.6M
- Average total loans
- $23.1M
- Average interest-bearing deposits
- $171.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 24, 1963
- FDIC Cert
- 18924
- Fed RSSD
- 116554
- SEC CIK
- 2016561 → filed by OLD GLORY HOLDING COMPANY
- Website
- www.oldglorybank.com →
- Parent Holding Company
- OLD GLORY HOLDING COMPANY (RSSD 5752014)
Profitability
Q2 annualizedBalance 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
Over the 12 quarters to Q2 2026, Old Glory Bank's total assets ran between $88.0M (Q3 2023) and $279.4M (Q1 2026), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$276.8M total assets against $232.5M; $270.0M total liabilities against $222.7M.
$22.8M net loans and leases against $16.4M; $268.7M total deposits against $221.9M.
$209.2M securities against $12.4M; $37.9M cash and balances due against $199.4M.
$3.2M total interest income against $2.3M; $549K total interest expense against $464K.
$2.6M net interest income against $1.9M.
$943K total noninterest income against $476K; $7.1M total noninterest expense against $7.4M.
$56K provision for credit losses against $84K.
-$3.6M net income against -$5.2M.
-5.15% return on assets against -9.78%; 3.91% net interest margin against 3.64%.
11.19% CET1 capital ratio against 27.08%; 2.69% tier 1 leverage ratio against 4.60%.
Inside the full Old Glory 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Old Glory Bank rankings
Its closest position to the top of a national ranking is 248 of 3,640, for Texas Ratio; its furthest is 3,606 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -9.78% (Q2 2025) to -3.11% (Q4 2025) and its net interest margin ran from 3.56% (Q1 2025) to 4.77% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.19% | -5.15% | 6.58% | 16.78% | 3.91% |
| Q1 2026 | 14.02% | -6.62% | 2.13% | 2.15% | 3.98% |
| Q4 2025 | 18.34% | -3.11% | 2.67% | 1.26% | 4.13% |
| Q3 2025 | 19.22% | -5.16% | 0.13% | 0.24% | 3.77% |
| Q2 2025 | 27.08% | -9.78% | 0.48% | 0.80% | 3.64% |
| Q1 2025 | 50.23% | -7.03% | 0.77% | 0.69% | 3.56% |
| Q4 2024 | 61.03% | -8.26% | 1.79% | 0.81% | 3.96% |
| Q3 2024 | 84.16% | -6.70% | 0.00% | 0.00% | 4.77% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Old Glory Bank (main office) | Elmore City , OK | 73433 | $268.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 88 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Old Glory Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Old Glory Bank
What are Old Glory Bank's total assets?
As of the Q2 2026 filing, Old Glory Bank reported total assets of $276.8 million in its FFIEC call report.
Where is Old Glory Bank headquartered?
It is headquartered in Elmore City, OK, United States.
When was Old Glory Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Old Glory Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18924). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Old Glory Bank?
Old Glory Bank's primary federal regulator is the FDIC.
What is Old Glory Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.19% in its Q2 2026 call report, above regulatory requirements.
How many branches does Old Glory Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Old Glory Bank's Texas Ratio?
Its Texas Ratio is 16.78% 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 Old Glory Bank.
Get an email when Old Glory Bank files its next call report, and benchmark it against any peer you choose.
Unlock Old Glory Bank, freeFree account