Armstrong Bank (FDIC #2315): Bank Stress & Real-Estate Credit Exposure
Armstrong Bank (FDIC Cert #2315): bank stress 70/100, elevated, STABLE over 7 days; parent IRONHORSE FINANCIAL GROUP INC.
Armstrong Bank (#2315) lends in 15 counties across 2 states; Armstrong Bank (#2315) reaches 247 ZIP codes: Oklahoma 12 counties, 194 ZIPs; Arkansas 3 counties, 53 ZIPs.
Armstrong Bank (#2315) largest markets: Oklahoma County, OK (55 branches, 55 ZIPs) (#2315), Tulsa County, OK (129 branches, 43 ZIPs) (#2315), Cleveland County, OK (115 branches, 23 ZIPs) (#2315), Benton County, AR (22 branches, 22 ZIPs) (#2315), Washington County, AR (20 branches, 20 ZIPs) (#2315), Sebastian County, AR (34 branches, 17 ZIPs) (#2315).
Armstrong Bank (#2315) reports $2.84 billion in total assets; Armstrong Bank (#2315) equity $232.9 million (8.2% of Armstrong Bank (#2315) assets); Armstrong Bank (#2315) domestic deposits $2.59 billion; Armstrong Bank (#2315) net income $18.7 million; Armstrong Bank (#2315) return on assets 1.37%; Armstrong Bank (#2315) return on equity 17.13%; Armstrong Bank (#2315) net interest income $51.0 million; Armstrong Bank (#2315) call report June 30, 2026.
Armstrong Bank (#2315) noncurrent real-estate loans 0.02% of its book; Armstrong Bank (#2315) residential -0.02%; Armstrong Bank (#2315) net charge-offs on real estate 0.28%; Armstrong Bank (#2315) multifamily charge-offs 0.04%; Armstrong Bank (#2315) residential charge-offs 0.15%.
Armstrong Bank (#2315) net interest margin 3.99% against an eight-quarter Armstrong Bank (#2315) average of 3.44% (Armstrong Bank (#2315) compression -0.55 points); Armstrong Bank (#2315) real-estate loans 1.7% of equity; Armstrong Bank (#2315) non-residential real estate 14.5% of equity; Armstrong Bank (#2315) rate-exposure score 40/100, Armstrong Bank (#2315) fixed-rate trap 40/100; Armstrong Bank (#2315) risk type credit driven; Armstrong Bank (#2315) rate regime rates elevated, Armstrong Bank (#2315) snapshot October 19, 2026.
Armstrong Bank (#2315) stress score moved from 70.6 on June 22, 2026 to 69.6 on October 19, 2026; Armstrong Bank (#2315) ranged 69.6 to 70.6 over 116 snapshots.
Armstrong Bank (#2315) alerts: 14 counties; top Armstrong Bank (#2315) alert scores: Pawnee County, OK 48 (moderate); Tulsa County, OK 40 (moderate); Wagoner County, OK 30 (low); Rogers County, OK 29 (low); Bartlesville County, OK 23 (low).