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Armstrong Bank
Muskogee, OK · FDIC Certificate #2315 · Chartered 03/1
Total assets
$2.84B
Total deposits
$2.59B
Total equity
$232.89M
Net loans
$2.05B
Branches (offices)
29
Net income (YTD)
$18.73M
Rank: #453 of 4,213 U.S. banks by assets · #9 of 168 in Oklahoma. Assets changed 15.1% and deposits 13.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 17.13% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 8.19% |
| Tier 1 leverage ratio | 10.42% |
| Uninsured deposits (share of deposits) | 24.5% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.64B | 79.7% | |
| Commercial & industrial | $173.09M | 8.4% | |
| Consumer / individual | $98.25M | 4.8% | |
| Construction & development | $262.24M | 12.8% | |
| Agricultural | $27.63M | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.48B | $2.32B | $13.68M | $148.53M |
| Jun 2023 | $2.44B | $2.27B | $8.53M | $163.16M |
| Jun 2024 | $2.45B | $2.26B | $7.59M | $168.64M |
| Jun 2025 | $2.47B | $2.29B | $13.98M | $165.47M |
| Jun 2026 | $2.84B | $2.59B | $18.73M | $232.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $2.33B | 25 |
| Arkansas | $255.69M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.59B.
Similar-sized banks
American Momentum Bank ($2.85B) · Habib American Bank ($2.84B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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