Old Glory Bank
Elmore City, OK·RSSD 116554·FDIC 18924·bank:116554·Risk-based ratios where reported
- #88 of 171Total assets in Oklahoma
- 1offices
- 83employees
- #5 of 131Lowest cost of deposits in Oklahoma
- Top 6%Deposit growth in the U.S.
- Top 6%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Old Glory Bank
9 of 22 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Unrealized securities position worsening while the peer median improvesWorth a look: Capital 2nd quarter-9.8%peers -7.0%-2.7 pp
Old Glory Bank's unrealized securities gain or loss relative to Tier 1 capital fell 9.5 percentage points over the past year to -9.8%. Among 1222 similar banks, the median rose 2.9 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Unrealized securities gain or loss relative to Tier 1 capital | ||
| -9.8% | -7.0% | -2.7 pp |
| 12-month change | ||
| -9.5 pp | +2.9 pp | -12.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Old Glory Bank itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality 2nd quarter2.85%peers 0.00%+285 bps
Old Glory Bank's annualized net charge-off rate rose 285 bps over the past year to 2.85%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 2.85% | 0.00% | +285 bps |
| 12-month change | ||
| +285 bps | 0 bps | +285 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Old Glory Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+39.4%peers +5.3%+34.0 pp
Old Glory Bank's loans grew 39.4% over the past year to $23.1 million. The median among 1206 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +39.4% | +5.3% | +34.0 pp |
| Loans | ||
| $23.1 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Old Glory Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings-5.15%peers 1.26%-642 bps
Old Glory Bank's annualized return on assets rose 440 bps over the past year to -5.15%. Among 1222 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -5.15% | 1.26% | -642 bps |
| 12-month change | ||
| +440 bps | +14 bps | +426 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Old Glory Bank itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding 2nd quarter+21.1%peers +3.9%+17.2 pp
Old Glory Bank's deposits grew 21.1% over the past year to $269 million. The median among 1212 similar banks was +3.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +21.1% | +3.9% | +17.2 pp |
| Deposits | ||
| $269 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Old Glory Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Problem loans rising while the peer median holds steadyAsset quality
- Leverage capital ratio falling while the peer median risesCapital
- Fee and other noninterest income among the highest of similar banksEarnings
- Deposit costs among the lowest of similar banksFunding
Key facts
- Old Glory Bank is a bank headquartered in Elmore City, Oklahoma. It reported $277 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $269 million, up 21.1% from a year earlier, and loans totaled $23.1 million, up 39.4%.
- Its net interest margin was 3.97% and its annualized return on assets was -5.15% for the quarter.
- Its cost of all deposits was 0.82%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Old Glory Bank's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Old Glory Bank · Bank
- Federal Reserve RSSD
- 116554
- FDIC certificate
- 18924
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Old Glory Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$3.57M | — | |
| $3.18M | — | |
| $549K | — | |
| $2.63M | — | |
| $943K | — | |
| $7.08M | — | |
| $55K | — | |
| $56K | — | |
| -5.15% | -5.14%ROAQ · Quarter | |
| 3.97% | 3.96%NIMYQ · Quarter | |
| 198.18% | 198.10%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.