TellerScore

Shamrock Bank, N.A. (FDIC certificate #4236) is based in Coalgate, Oklahoma. Its Q2 2026 call report shows $501.5M in total assets and $452.9M in deposits and 8 offices.

Shamrock Bank, N.A. has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 46th. Problem-loan coverage contributes the most (96/100, 1.9%); capital cushion contributes the least (58/100, 10.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.79%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings90/100
Return on assets (annualized): 1.76%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 71.3% · 25.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.91%

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 2 points (77 → 79), mostly because the earnings component improved by 20 points.

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202478
Q4 202475
Q1 202575
Q2 202577
Q3 202576
Q4 202572
Q1 202677
Q2 202679
Tier 1 leverage ratio
5.00%7.93%10.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.62%
Q3 202410.86%
Q4 202410.18%
Q1 202510.15%
Q2 202510.27%
Q3 202510.35%
Q4 20259.80%
Q1 202610.41%
Q2 202610.79%
Noncurrent loans
0.03%0.16%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.07%
Q4 20240.09%
Q1 20250.03%
Q2 20250.03%
Q3 20250.05%
Q4 20250.29%
Q1 20260.29%
Q2 20260.29%
Return on assets
1.12%1.44%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.19%
Q4 20241.18%
Q1 20251.12%
Q2 20251.26%
Q3 20251.26%
Q4 20251.33%
Q1 20261.60%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$501.5M10.79%0.29%1.76%71.3%
Q1 202677$503.7M10.41%0.29%1.60%70.3%
Q4 202572$486.1M9.80%0.29%1.33%73.2%
Q3 202576$491.5M10.35%0.05%1.26%68.8%
Q2 202577$481.1M10.27%0.03%1.26%67.7%
Q1 202575$472.5M10.15%0.03%1.12%66.9%
Q4 202475$448.3M10.18%0.09%1.18%70.2%
Q3 202478$447.7M10.86%0.07%1.19%67.3%
Q2 202477$452.9M10.62%0.03%1.13%63.7%

2,650 peers · $100 million – $1 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 ratio10.79%
46th
Total risk-based capital0.00%
24th
Problem loans0.29%
58th
Net charge-offs-0.01%
89th
Return on assets1.76%
78th
Net interest margin4.11%
59th
Efficiency ratio61.0%
54th
Loans to deposits71.3%
68th
Uninsured deposits25.3%
45th
Loan-loss reserves1.27%
59th
Texas ratio1.9%
59th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank, National AssociationBank Mcalester, OK68 out of 100, Moderate$488.1M10.9%1.30%vs
FNB Community BankBank Midwest City, OK52 out of 100, Below average$480.2M10.5%2.35%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Ameristate BankBank Atoka, OK57 out of 100, Moderate$477.7M9.5%1.67%vs
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs
Local BankBank Hulbert, OK66 out of 100, Moderate$463.1M11.4%0.52%vs

Deposit insurance

Is my money safe at Shamrock Bank, N.A.?

Yes. Shamrock Bank, N.A. is an FDIC-insured institution (FDIC certificate #4236). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.3% of deposits ($114.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Shamrock Bank, N.A. lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Shamrock Bank, N.A. reported 87 home-loan applications under HMDA (LEI 254900N50SQP3XJCQT74): 85 originated ($22,695,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Shamrock Bank, N.A.
Former names
First National Bank in Coalgate
Type
National bank
FDIC certificate #
4236
RSSD ID
300353
Primary regulator
OCC
Holding company
Shamrock Bancshares Employee Stk Ownership Plan
Established
January 1, 1924
Headquarters
101 N Main St, Coalgate, OK 74538
Employees
86

Quick answers

Shamrock Bank, N.A.: common questions

Is Shamrock Bank, N.A. FDIC insured?

Yes. Shamrock Bank, N.A. is an FDIC-insured institution (FDIC certificate #4236). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Shamrock Bank, N.A.'s TellerScore?

79 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 Shamrock Bank, N.A. ever failed?

There is no failure record for FDIC certificate #4236 in the FDIC failed bank list.

How many branches does Shamrock Bank, N.A. have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Coalgate

InstitutionScoreAssetsCapitalProblem loansCompare
First American BankBank Stonewall, OK82 out of 100, Strong$34.3M13.1%0.67%vs
FirstBankBank Antlers, OK69 out of 100, Moderate$684.3M10.8%0.82%vs
Ameristate BankBank Atoka, OK57 out of 100, Moderate$477.7M9.5%1.67%vs