Shamrock Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 11.84 percentage points in Q2 2026, from 437.36% to 449.19%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Shamrock Bank, N.A. is 46th of 169 on return on assets, 1.89% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Shamrock Bank, N.A. reported 1.89% on return on assets in Q2 2026, 0.64 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.79% |
| Equity capital to assets | 9.06% |
| Tangible equity to tangible assets | 9.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.91% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 449.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 21.57% |
| Net interest margin | 4.08% |
| Efficiency ratio | 58.03% |
| Yield on earning assets | 5.70% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.17% |
| Core deposits to total deposits | 87.75% |
| Brokered deposits to total deposits | 1.69% |
| Deposits to assets | 90.31% |
| Securities to assets | 26.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.05% | 1.06% | 3.29% | 0.01% | 0.03% |
| Q4 2023 | 10.59% | 1.30% | 3.36% | 0.02% | 0.03% |
| Q1 2024 | 10.36% | 1.12% | 3.27% | 0.02% | 0.02% |
| Q2 2024 | 10.62% | 1.15% | 3.34% | 0.01% | 0.08% |
| Q3 2024 | 10.86% | 1.29% | 3.50% | 0.07% | 0.03% |
| Q4 2024 | 10.18% | 1.16% | 3.52% | 0.09% | 0.06% |
| Q1 2025 | 10.15% | 1.12% | 3.48% | 0.03% | 0.03% |
| Q2 2025 | 10.27% | 1.38% | 3.65% | 0.03% | 0.00% |
| Q3 2025 | 10.35% | 1.27% | 3.76% | 0.05% | 0.01% |
| Q4 2025 | 9.80% | 1.52% | 3.94% | 0.29% | 0.08% |
| Q1 2026 | 10.41% | 1.59% | 3.94% | 0.29% | -0.03% |
| Q2 2026 | 10.79% | 1.89% | 4.08% | 0.28% | 0.00% |
Shamrock Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Shamrock Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Shamrock Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4236) · FFIEC NIC profile (RSSD 300353)