Shamrock Bank N A (FDIC #4236): Bank Stress & Real-Estate Credit Exposure

Shamrock Bank N A (FDIC Cert #4236): bank stress 59/100, moderate, STABLE over 7 days; parent SHAMROCK BANCSHARES EMPLOYEE STK OWNERSHIP PLAN.

Shamrock Bank N A (#4236) lends in 7 counties across 1 state; Shamrock Bank N A (#4236) reaches 131 ZIP codes: Oklahoma 7 counties, 131 ZIPs.

Shamrock Bank N A (#4236) largest markets: Oklahoma County, OK (55 branches, 55 ZIPs) (#4236), Caddo County, OK (17 branches, 17 ZIPs) (#4236), Pushmataha County, OK (16 branches, 16 ZIPs) (#4236), Bryan County, OK (30 branches, 15 ZIPs) (#4236), Jackson County, OK (10 branches, 10 ZIPs) (#4236), Coal County, OK (10 branches, 10 ZIPs) (#4236).

Shamrock Bank N A (#4236) reports $501.5 million in total assets; Shamrock Bank N A (#4236) equity $45.4 million (9.1% of Shamrock Bank N A (#4236) assets); Shamrock Bank N A (#4236) domestic deposits $452.9 million; Shamrock Bank N A (#4236) net income $4.4 million; Shamrock Bank N A (#4236) return on assets 1.76%; Shamrock Bank N A (#4236) return on equity 20.52%; Shamrock Bank N A (#4236) net interest income $9.7 million; Shamrock Bank N A (#4236) call report June 30, 2026.

Shamrock Bank N A (#4236) noncurrent real-estate loans: none reported; Shamrock Bank N A (#4236) net charge-offs on real estate 0.30%; Shamrock Bank N A (#4236) residential charge-offs 0.35%.

Shamrock Bank N A (#4236) net interest margin 4.11% against an eight-quarter Shamrock Bank N A (#4236) average of 3.75% (Shamrock Bank N A (#4236) compression -0.36 points); Shamrock Bank N A (#4236) non-residential real estate 35.2% of equity; Shamrock Bank N A (#4236) rate-exposure score 40/100, Shamrock Bank N A (#4236) fixed-rate trap 40/100; Shamrock Bank N A (#4236) risk type credit driven; Shamrock Bank N A (#4236) rate regime rates elevated, Shamrock Bank N A (#4236) snapshot October 19, 2026.

Shamrock Bank N A (#4236) stress score moved from 62.4 on June 22, 2026 to 58.8 on October 20, 2026; Shamrock Bank N A (#4236) ranged 58.8 to 62.4 over 117 snapshots.

Shamrock Bank N A (#4236) alerts: 7 counties; top Shamrock Bank N A (#4236) alert scores: Altus County, OK 21 (low); Apache County, OK 21 (low); Clayton County, OK 21 (low); Coalgate County, OK 21 (low); Durant County, OK 21 (low).