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Acquisition dossier · FDIC #18924

Old Glory Bank

Elmore City, OK · Garvin County · FDIC

$279.4M assets1 officesOLD GLORY HOLDING CO6/6 core metrics available
Acquisition score96Signal: Earnings pressure

Where this bank sits among peers

1,765 same-period banks with 0.5× to 2× this bank’s assets. Selected bank excluded.

View metric table ↓
Return on assets1,762 reported
0124248Up to 0.36%: 168 banks0.36% 0.59%: 120 banks0.59% 0.83%: 193 banks0.83% 1.06%: 247 banks1.06% 1.3%: 239 banks1.3% 1.53%: 248 banks1.53% 1.77%: 183 banks1.77% 2%: 139 banks2% 2.24%: 74 banksFrom 2.24%: 151 banks≤0.12%≥2.47%
Median 1.21%Selected bank -6.59% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.36%168
0.36% to < 0.59%120
0.59% to < 0.83%193
0.83% to < 1.06%247
1.06% to < 1.3%239
1.3% to < 1.53%248
1.53% to < 1.77%183
1.77% to < 2%139
2% to < 2.24%74
≥ 2.24%151

Full range: -24.68% to 20.53%. 3 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 0 / 100. Larger values are not necessarily better.

Net interest margin1,765 reported
0125249Up to 2.89%: 146 banks2.89% 3.16%: 139 banks3.16% 3.42%: 181 banks3.42% 3.68%: 238 banks3.68% 3.94%: 243 banks3.94% 4.21%: 249 banks4.21% 4.47%: 215 banks4.47% 4.73%: 122 banks4.73% 5%: 95 banksFrom 5%: 137 banks≤2.63%≥5.26%
Median 3.88%Selected bank 3.95%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 2.89%146
2.89% to < 3.16%139
3.16% to < 3.42%181
3.42% to < 3.68%238
3.68% to < 3.94%243
3.94% to < 4.21%249
4.21% to < 4.47%215
4.47% to < 4.73%122
4.73% to < 5%95
≥ 5%137

Full range: 0% to 95.71%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 54 / 100. Larger values are not necessarily better.

Efficiency ratio1,765 reported
0128256Up to 46.48%: 184 banks46.48% 51.54%: 142 banks51.54% 56.59%: 215 banks56.59% 61.65%: 256 banks61.65% 66.71%: 250 banks66.71% 71.77%: 200 banks71.77% 76.83%: 166 banks76.83% 81.88%: 109 banks81.88% 86.94%: 88 banksFrom 86.94%: 155 banks≤41.42%≥92%
Median 63.4%Selected bank 222.9% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 46.48%184
46.48% to < 51.54%142
51.54% to < 56.59%215
56.59% to < 61.65%256
61.65% to < 66.71%250
66.71% to < 71.77%200
71.77% to < 76.83%166
76.83% to < 81.88%109
81.88% to < 86.94%88
≥ 86.94%155

Full range: 0% to 448.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 100 / 100. Larger values are not necessarily better.

Equity to assets1,765 reported
0169337Up to 7.63%: 205 banks7.63% 8.74%: 253 banks8.74% 9.84%: 337 banks9.84% 10.95%: 307 banks10.95% 12.06%: 202 banks12.06% 13.17%: 137 banks13.17% 14.28%: 97 banks14.28% 15.38%: 71 banks15.38% 16.49%: 38 banksFrom 16.49%: 118 banks≤6.52%≥17.6%
Median 10.1%Selected bank 3.1% (outside central range)
Distribution data
First and last bins include all tail observations.
RangeBanks
< 7.63%205
7.63% to < 8.74%253
8.74% to < 9.84%337
9.84% to < 10.95%307
10.95% to < 12.06%202
12.06% to < 13.17%137
13.17% to < 14.28%97
14.28% to < 15.38%71
15.38% to < 16.49%38
≥ 16.49%118

Full range: 0.8% to 94.9%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 0 / 100. Larger values are not necessarily better.

Uninsured deposits1,765 reported
0132264Up to 12.7%: 222 banks12.7% 16.51%: 188 banks16.51% 20.31%: 264 banks20.31% 24.12%: 243 banks24.12% 27.92%: 261 banks27.92% 31.72%: 191 banks31.72% 35.53%: 122 banks35.53% 39.33%: 93 banks39.33% 43.14%: 62 banksFrom 43.14%: 119 banks≤8.9%≥46.94%
Median 23.6%Selected bank 11.6%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 12.7%222
12.7% to < 16.51%188
16.51% to < 20.31%264
20.31% to < 24.12%243
24.12% to < 27.92%261
27.92% to < 31.72%191
31.72% to < 35.53%122
35.53% to < 39.33%93
39.33% to < 43.14%62
≥ 43.14%119

Full range: 0% to 99.7%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 10 / 100. Larger values are not necessarily better.

Noncurrent loans1,765 reported
0384768Up to 0.3%: 768 banks0.3% 0.6%: 296 banks0.6% 0.9%: 174 banks0.9% 1.2%: 118 banks1.2% 1.51%: 100 banks1.51% 1.81%: 59 banks1.81% 2.11%: 54 banks2.11% 2.41%: 46 banks2.41% 2.71%: 40 banksFrom 2.71%: 110 banks≤0%≥3.01%
Median 0.4%Selected bank 2.13%
Distribution data
First and last bins include all tail observations.
RangeBanks
< 0.3%768
0.3% to < 0.6%296
0.6% to < 0.9%174
0.9% to < 1.2%118
1.2% to < 1.51%100
1.51% to < 1.81%59
1.81% to < 2.11%54
2.11% to < 2.41%46
2.41% to < 2.71%40
≥ 2.71%110

Full range: 0% to 17.16%. 0 missing values excluded. Central scale uses the 5th to 95th percentile; outliers are pooled into edge bins.

Value percentile: 89 / 100. Larger values are not necessarily better.

Custom asset cohort, not official UBPR peers. At least five reported observations required per metric.

Reported facts, not a recommendation

Operating evidence

6 / 6 available
Same-period comparisons. Changes in basis points; 100 bp = 1 percentage point.
MetricReportedQoQYoYPeer medianValue percentileValid peers
Earnings-6.59%-59 bp+30 bp1.21%0 / 1001762
Earnings3.95%+17 bp+44 bp3.88%54 / 1001765
Earnings222.90%N/AN/A63.40%100 / 1001765
Capital3.10%-60 bp-250 bp10.10%0 / 1001765
Franchise11.60%N/AN/A23.60%10 / 1001765
Credit2.13%N/AN/A0.40%89 / 1001765
Peer definition, reporting period and interpretation

Custom asset cohort: active banks with 0.5× to 2× this bank’s assets in the same reporting period, excluding this bank. The cohort has 1765 institutions. Each metric excludes missing values; fewer than five valid peers suppresses the median and percentile. This is not an official UBPR peer group.

A higher percentile means a larger value, not a better bank. Ties use midrank. Equity/assets is not a regulatory capital ratio. ROA and margin retain the provider’s reported definitions; quarter changes compare reported ratios, not standalone quarterly earnings.

Financial period: 2026-03-31. Missing periods remain N/A. Source: Call Report financials via FDIC.

Questions to take into diligence
  • Return on assets: Separate recurring earnings from one-off items before setting a valuation.
  • Net interest margin: Review deposit repricing and asset yields to test earnings durability.
  • Efficiency ratio: Validate achievable cost savings and the integration expense required.
  • Equity to assets: Test closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.
  • Uninsured deposits: Review depositor concentration, retention and liquidity under runoff assumptions.
  • Noncurrent loans: Inspect loan-level losses, reserves and collateral before accepting a credit mark.
Diligence considerations

Factors to review

1

Uninsured depositsReview depositor concentration, retention and liquidity under runoff assumptions.

2

Net interest marginReview deposit repricing and asset yields to test earnings durability.

Diligence priorities

1

Efficiency ratioValidate achievable cost savings and the integration expense required.

2

Return on assetsSeparate recurring earnings from one-off items before setting a valuation.

3

Equity to assetsTest closing capital after credit marks and acquisition costs. This is not a regulatory capital ratio.

Franchise footprint

1 reported branch

$221.9M branch deposits
  1. 1
    Old Glory BankElmore City, OK · Garvin
    $221.9MDeposits

Evidence timeline

Structure changes and public-company filings

1 linked records
FDIC structureChange in Legal Name (FO or BR)