TellerScore

Armstrong Bank is a state-chartered bank (fed member) headquartered in Muskogee, Oklahoma, in business for about 116 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.6B in deposits, with 30 offices across 2 states.

Armstrong Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 65th. Problem-loan coverage contributes the most (94/100, 2.9%); capital cushion contributes the least (54/100, 10.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.42%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 79.3% · 24.5% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.86%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the earnings component improved by 10 points.

TellerScore
657074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202468
Q4 202466
Q1 202570
Q2 202571
Q3 202574
Q4 202571
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%7.74%10.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.46%
Q3 20249.65%
Q4 20249.75%
Q1 20259.82%
Q2 202510.10%
Q3 202510.48%
Q4 202510.44%
Q1 202610.34%
Q2 202610.42%
Noncurrent loans
0.20%0.35%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.45%
Q3 20240.34%
Q4 20240.50%
Q1 20250.20%
Q2 20250.32%
Q3 20250.27%
Q4 20250.34%
Q1 20260.27%
Q2 20260.25%
Return on assets
0.61%0.99%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.75%
Q4 20240.78%
Q1 20250.96%
Q2 20251.13%
Q3 20251.37%
Q4 20251.25%
Q1 20261.28%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$2.8B10.42%0.25%1.37%79.3%
Q1 202673$2.7B10.34%0.27%1.28%81.2%
Q4 202571$2.7B10.44%0.34%1.25%79.4%
Q3 202574$2.5B10.48%0.27%1.37%77.5%
Q2 202571$2.5B10.10%0.32%1.13%74.9%
Q1 202570$2.5B9.82%0.20%0.96%71.3%
Q4 202466$2.5B9.75%0.50%0.78%69.1%
Q3 202468$2.4B9.65%0.34%0.75%69.6%
Q2 202465$2.4B9.46%0.45%0.61%67.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.42%
48th
Total risk-based capital14.97%
67th
Problem loans0.25%
73rd
Net charge-offs0.15%
23rd
Return on assets1.37%
60th
Net interest margin3.99%
67th
Efficiency ratio59.1%
50th
Loans to deposits79.3%
70th
Uninsured deposits24.5%
72nd
Loan-loss reserves1.06%
39th
Texas ratio2.9%
59th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First Fidelity BankBank Oklahoma City, OK69 out of 100, Moderate$3.0B10.2%0.46%vs
Regent BankBank Tulsa, OK43 out of 100, Below average$2.2B9.9%2.51%vs
Gateway First BankBank Jenks, OK54 out of 100, Below average$2.1B14.1%4.36%vs
Mabrey BankBank Bixby, OK63 out of 100, Moderate$2.0B8.5%0.41%vs
Great Plains National BankBank Elk City, OK62 out of 100, Moderate$1.9B9.4%1.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs

Deposit insurance

Is my money safe at Armstrong Bank?

Yes. Armstrong Bank is an FDIC-insured institution (FDIC certificate #2315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.5% of deposits ($633.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.97% (benchmark: 10%).

Check how much of your own balance is covered

30 locations

Branches

Armstrong Bank lists 30 offices in 24 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Armstrong Bank reported 1,326 home-loan applications under HMDA (LEI 549300O2D8BPO6PJRB90): 958 originated ($2,635,490,000 total), 114 denied, and 146 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Armstrong Bank
Former names
Vian State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
2315
RSSD ID
470452
Primary regulator
FED
Holding company
Ironhorse Financial Group Inc
Established
March 15, 1910
Headquarters
1215 W Okmulgee St, Muskogee, OK 74401
Employees
421

Quick answers

Armstrong Bank: common questions

Is Armstrong Bank FDIC insured?

Yes. Armstrong Bank is an FDIC-insured institution (FDIC certificate #2315). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Armstrong Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Armstrong Bank ever failed?

There is no failure record for FDIC certificate #2315 in the FDIC failed bank list.

How many branches does Armstrong Bank have?

30 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Muskogee

InstitutionScoreAssetsCapitalProblem loansCompare
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
The Peoples National Bank of ChecotahBank Checotah, OK91 out of 100, Very strong$171.8M16.1%0.53%vs
Muskogee Federal Credit UnionCredit union Muskogee, OK87 out of 100, Very strong$112.0M12.8%0.58%vs
FNB CowetaBank Coweta, OK86 out of 100, Very strong$127.8M11.2%0.00%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Ttcu Federal Credit UnionCredit union Tulsa, OK73 out of 100, Strong$2.7B13.4%1.49%vs