Shamrock Bank N A
Coalgate, Oklahoma · FDIC Cert #4236
Shamrock Bank N A is an FDIC-insured bank (Certificate #4236) with $453M in total assets and $404M in total deposits as of the Q2 2024 Call Report. Headquartered in Coalgate, Oklahoma, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.03%. BankHealthData assigns a composite Health Grade of C (61/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Shamrock Bank N A (FDIC cert 4236) is a community bank — $453M in total assets, $404M in deposits, serving the Coalgate, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.03% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 40.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.13% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Shamrock Bank N A carries a composite BankHealth grade of C (61/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Shamrock Bank N A
- Total Assets
- $453M
- Total Deposits
- $404M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.03%
- Liquidity Ratio
- 40.10%
- Return on Assets
- 1.13%
- Headquarters
- Coalgate, Oklahoma
- FDIC Certificate
- #4236
- Health Grade
- C (61/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Shamrock Bank N A holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Shamrock Bank N A to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Shamrock Bank N A shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Shamrock Bank N A Compares
Shamrock Bank N A’s Health Score of 61 is 3 points below the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.03% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.13% is in line with or above the national ROA benchmark of ~1.1%. Among 1496 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Shamrock Bank N A is 9 points below the portfolio average of 70.
Frequently Asked Questions
Shamrock Bank N A has a Bank Health Score of C (61/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Shamrock Bank N A's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.03% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Shamrock Bank N A is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4236). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Shamrock Bank N A holds $453M in total assets and $404M in total deposits. It is headquartered in Coalgate, Oklahoma (FDIC Certificate #4236).
Shamrock Bank N A has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.03%, and the return on assets is 1.13%.
Yes. Shamrock Bank N A is FDIC-insured (Certificate #4236). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Shamrock Bank N A's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.