Shamrock Bank, N.A.
Coalgate, Oklahoma, Coal County
$501M in total assets, the 1,817th largest of 4,309 US banks and 52nd of 171 headquartered in Oklahoma.
- FDIC certificate
- 4236
- Established
- 1924
- Owned by
- Shamrock Bancshares Employee Stk Ownership Plan
- Primary regulator
- OCC
- Website
- www.shamrockbank.com
At a glance
Compared with 105 banks headquartered in Oklahoma with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $501M | 75% | $317M | |
| Loans | $327M | 71% | $199M | |
| Deposits | $453M | 76% | $269M | |
| Return on assets | 1.57% | 57% | 1.39% | |
| Net interest margin | 4.11% | 42% | 4.21% | |
| Efficiency ratio | 61.0% | 51% | 60.8% | |
| Equity to assets | 9.06% | 23% | 10.25% | |
| Loans to deposits | 72% | 33% | 80% |
Growth
Total assets grew 3.8% a year over the last 5 years and 5.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2002 | Clayton State Bank Clayton, OK, an affiliate under the same holding company | $23M |
| Sep 2002 | First Bank of Apache Apache, OK, an affiliate under the same holding company | $21M |
| Aug 2002 | Bryan County National Bank Caddo, OK, an affiliate under the same holding company | $34M |
| Mar 2002 | Shamrock Bank, National Association Mountain View, OK | $27M |
Where they operate
8 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bryan County, OK | $145M | 3.7% | 3 of 6 |
| Coal County, OK | $116M | 76.5% | 1 of 2 |
| Caddo County, OK | $55M | 7.4% | 8 of 10 |
| Pushmataha County, OK | $53M | 18.9% | 2 of 4 |
| Jackson County, OK | $41M | 6.4% | 5 of 8 |
| Kiowa County, OK | $37M | 14.4% | 5 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (7 to 8, +14.3%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2020 | Opened Oklahoma City | 1 | 0 | +1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 34% | 27% | |
| 1-4 family residential | 27% | 25% | |
| Construction and land | 12% | 9% | |
| Farmland | 9% | 8% | |
| Agricultural | 7% | 8% | |
| Consumer | 5% | 4% | |
| Business (C&I) | 5% | 14% | |
| Multifamily | 2% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 37% | 34% | |
| Noninterest-bearing | 32% | 23% | |
| Other interest-bearing | 31% | 43% |
Brokered deposits are 1.7% of deposits (peers 5.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.29% | 0.68% |
| Net charge-offs, annualized | -0.01% | 0.02% |
| Reserves to loans | 1.27% | 1.34% |
| Leverage ratio | 10.79% | 10.77% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Bryan County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/shamrock