Shamrock Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Shamrock Bank, N.A. of Coalgate, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.89% | 1.34% | +0.55% | 82nd top |
| ROAE | 21.57% | 13.32% | +8.25% | 91st top |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 57th above |
| Efficiency Ratio | 58.03% | 61.13% | -3.10% | 60th above |
| PPNR / Avg Assets | 1.89% | 1.68% | +0.21% | 67th above |
| Yield on Earning Assets | 5.70% | 5.67% | +0.03% | 55th above |
| Cost of Funds | 1.77% | 1.88% | -0.11% | 52nd above |
| Net Interest Spread | 3.14% | 3.32% | -0.18% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.28% | 0.94% | -0.66% | 58th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 45th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 59th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 449.19% | 1546.70% | -1097.51% | 69th above |
| Texas Ratio | 1.91% | 7.34% | -5.43% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.79% | 12.14% | -1.35% | 46th below |
| Equity / Assets | 9.06% | 11.37% | -2.31% | 28th below |
| TCE / Tangible Assets | 9.06% | 11.08% | -2.02% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.17% | 80.67% | -8.50% | 67th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.75% | 86.85% | +0.90% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.23% | 6.84% | -2.61% | 49th below |
| Loan Growth (Y/Y) | 8.06% | 7.92% | +0.14% | 65th above |
| Deposit Growth (Y/Y) | 2.68% | 6.29% | -3.61% | 40th below |
See Shamrock Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Shamrock Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Shamrock Bank, N.A. profile, how to read a UBPR, or how this data updates.