| Metric | Old Glory Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.0% | +4.4% | +14.7 pts |
| Deposit growth (YoY) | +21.1% | +4.0% | +17.1 pts |
| Loan growth (YoY) | +39.5% | +5.6% | +33.9 pts |
| ROA | -5.89% | 1.24% | -7.1 pts |
| ROE | -190.8% | 11.9% | -202.7 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $276.8M | $268.7M | $22.8M | $6.8M | $-8.0M | -5.89% | 3.99% | 0.55% |
| Q1 2026 | $279.4M | $269.6M | $25.6M | $8.8M | $-4.4M | -6.59% | 3.95% | 0.20% |
| Q4 2025 | $257.4M | $246.9M | $18.1M | $9.6M | $-13.4M | -6.00% | 3.78% | 0.19% |
| Q3 2025 | $237.5M | $226.6M | $18.6M | $10.1M | $-11.5M | -7.16% | 3.68% | 0.01% |
| Q2 2025 | $232.5M | $221.9M | $16.4M | $9.8M | $-8.5M | -8.25% | 3.53% | 0.03% |
| Q1 2025 | $203.2M | $191.5M | $10.2M | $11.4M | $-3.3M | -6.89% | 3.51% | 0.04% |
| Q4 2024 | $183.4M | $173.2M | $4.5M | $10.1M | $-12.9M | -9.17% | 4.29% | 0.04% |
| Q3 2024 | $160.2M | $149.4M | $3.3M | $10.7M | $-9.4M | -9.59% | 4.44% | 0.00% |
Loan mix (Q2 2026): real estate $13.4M · commercial $7.8M · consumer $1.6M · securities $209.2M
| Ratio | Old Glory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -5.89% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -190.8% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 210.2% | 62.9% | 100th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Old Glory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Old Glory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Old Glory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Old Glory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Old Glory Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $221.9M branch deposits. Biggest market: Garvin, OK, ranked 2nd with 22.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Garvin, OK | 1 | $221.9M | 22.15% | 2nd |
Oklahoma: 109th with 0.14% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1