# OLD GLORY BANK
ELMORE CITY, OK · FDIC certificate 18924 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 10 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $276.8M | |
| Deposits | $268.7M | |
| Loans and leases | $23.1M | |
| Total equity | $6.8M | |
| Loans / deposits | 8.50% (p5 of band) | 73.59% |
| Liquid assets / assets | 89.31% (p98 of band) | |
| Uninsured deposits / deposits | 8.56% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.69% (p0 of band) | 11.76% |
| Unrealized securities loss / equity | -10.75% (p38 of band) | -6.57% |
| AOCI / equity | -3.29% (p5 of band) | |
| ROA (annualized) | -5.89% (p1 of band) | 1.17% |
| Net interest margin | 3.99% (p53 of band) | 3.93% |
| Efficiency ratio | 210.24% (p99 of band) | |
| Noncurrent loans | 6.58% (p98 of band) | 0.36% |
| Net charge-offs (annualized) | 0.17% (p91 of band) | |
| Reserve coverage of noncurrent | 16.45% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 0.29% (p19 of band) | |
| Auto loans | $486,000 (2.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.1% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | leverage <7%, capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 2 |  | leverage <7%, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 1 |  | losing money, expense ratio p90 |
| 2013-06 | 2 | expense ratio p90 |  |
| 2013-09 | 3 | losing money |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 5 | leverage <7%, uninsured deposits leaving |  |
| 2014-06 | 4 |  | losing money |
| 2014-09 | 2 |  | capital falling, leverage <7% |
| 2014-12 | 3 | leverage <7%, losing money | uninsured deposits leaving |
| 2015-03 | 4 | capital falling, uninsured deposits leaving | losing money |
| 2015-06 | 3 | losing money | leverage <7%, capital falling |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 3 | deposits shrinking, assets shrinking | losing money |
| 2016-03 | 2 |  | assets shrinking |
| 2016-06 | 0 |  | expense ratio p90, deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 7 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 5 |  | losing money, deposits shrinking |
| 2018-06 | 4 |  | uninsured deposits leaving |
| 2018-09 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 7 | assets shrinking |  |
| 2019-03 | 5 |  | expense ratio p90, uninsured deposits leaving |
| 2019-06 | 6 | uninsured deposits leaving |  |
| 2019-09 | 3 |  | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2019-12 | 4 | expense ratio p90 |  |
| 2020-03 | 3 |  | expense ratio p90 |
| 2020-06 | 3 | capital falling | deposits shrinking |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | NIM <2.5%, reserve under noncurrent | capital falling |
| 2021-03 | 6 | losing money, expense ratio p90, noncurrent p90 | loans exceed deposits |
| 2021-06 | 5 | assets shrinking | losing money, expense ratio p90 |
| 2021-09 | 6 | expense ratio p90 |  |
| 2021-12 | 6 |  |  |
| 2022-03 | 6 | losing money | assets shrinking |
| 2022-06 | 6 | loans exceed deposits | losing money |
| 2022-09 | 6 |  |  |
| 2022-12 | 6 | losing money, uninsured deposits leaving | wholesale funding >15%, loans exceed deposits |
| 2023-03 | 4 |  | NIM <2.5%, uninsured deposits leaving |
| 2023-06 | 5 | capital falling |  |
| 2023-09 | 4 |  | noncurrent p90 |
| 2023-12 | 5 | noncurrent p90 |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | reserve under noncurrent, noncurrent p90 |
| 2024-12 | 5 | leverage <7%, reserve under noncurrent |  |
| 2025-03 | 3 |  | capital falling, reserve under noncurrent |
| 2025-06 | 5 | leverage <5% |  |
| 2025-09 | 6 | capital falling |  |
| 2025-12 | 8 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 7 |  | noncurrent p90 |
| 2026-06 | 10 | noncurrent p90, charge-offs p90, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-18 [Old Glory Bank, SPAC scrap merger plans - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxNR2hub3cyT1dYUU1YeTJXV1ZGNXo1b1NTdDBHLXg4enlBT18tX0tvN2NORHVIUlJEb3lHdFFXT3QwU3RXemhqbngwdUNkSTA2TFdWYnhrOU5IakZ2NXM2TGthYzBrY3RYdXh5TVpDbEFoYzJPTlRfa2tCYTN0R1pOU0hxVnA0S3BMcTZCSGFWRkhkem5XWGV2ZmVHMA?oc=5) · Banking Dive
- 2026-08-14 [Old Glory Bank Says Fed Blocked Its Nasdaq Deal - dallasexpress.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9yMXhlWW5QODFwSDZ6OUg4VlRKT1lRQkUtSUJwZjNXbjl3Z1NCeVI1aTZUdG85eDE4U0Z3Sl9PY2lxQ2JWYkEzcGNzMExtMmJSUjVWMVFETEVSZUNKd0tZYVdoTWJibTZmUEE?oc=5) · dallasexpress.com
- 2026-07-20 [District of Massachusetts Enforces Forum-Selection Clause in Chapter 93A Banking Dispute - The National Law Review](https://news.google.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?oc=5) · The National Law Review
- 2026-08-28 [Old Glory Bank Announces $250M SPAC Deal, Plans Stablecoin Launch And Crypto Loans - Yellow.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQLVZERlRhbGd4eW5Hb09BUVhCOVcxdU1FNFBlRGQ4ZHVBZlU3a1RDNEM3M2NQeTBwcmlSZV9CYm5palJ0cjZyb25BdEZKZjZCQXFYSWpYbzhWT2ZkU1pmRkZ2UmNaSlBuNFBXRll5NFRmTjJocVNkaDkyT2cwcDJvXzFHWlh1TG9zZnBaVU56R1JoQnFUN3dvekdOMVR3d295Uldia0hMbUQySUxwR2lDZDJlRmVabE5GV0o4?oc=5) · Yellow.com
- 2026-02-05 [Old Glory Bank has 10% Growth in Business Accounts in January 2026 - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNbDFZMDZleTM4UkdVbnd2TUpaX0lCM1FmQnQzMlkySWRvcXp4ejJLZmZxUEhmSGJLWm1INjB6b3hNMEp2NHlDQS1sbW1QQmpQWVhOMklUaXNIVGRVYzNwejVjUndSMTRWaGJWaXBab1U3WDNqV3RYc0VlNmFDM2xZTHNmS0lNeHpEZG1TblFlbkJpN1k0VlhWM1lrRWFDTjlrel9FRmlHa3ZOZFdHbGNzWHlydU5XeDBhQ0pxWUplaw?oc=5) · Business Wire
- 2026-08-01 [Digital asset SPAC delays crucial merger vote, leaving a deeply undercapitalized Old Glory Bank waiting on a $50M lifeline - CryptoSlate](https://news.google.com/rss/articles/CBMingFBVV95cUxOSURNaXUtSDB5RnlFWEswU25wNHd2YURqb21HbklBNTF0OWtkZnNyMTJqOGQ5R3E2dzVIVUNWZjJqV3ZzZll3WmQwM3k1Q1dRZXFCYzJQRHM1bklBc2VDa3ZCbFhKOFZtWE9GeGdUS3ZfQTRhVE5OaWZpcFdETDJqQkxxVTZyNldXNGFaY3dWYXhpM0xfcU1pbGVYRXhyZw?oc=5) · CryptoSlate
- 2026-01-26 [Old Glory Bank to go public through merger with Digital Asset Acquisition - ATM Marketplace](https://news.google.com/rss/articles/CBMirwFBVV95cUxNRG5DRXI1aklDcEhub2tLMHc3a3h3M3IwczkzaGpYNU1QTTMxZ2E1aFQ0cHBoUW5BcjBfSHB4RmpoTS1jMUQ2TDhvaTlkQ2g4NHpOelpCVmVqaXlETDI0eHJMcjRNc1JrdmUxQUJSUnlYeTJaZ25QNERHVDR1cnhldGJOYXdCbVVlYkV6dDJmU2N3b3B0RG85dW9UUF85UlFHTjJLRno5R0JhM1lrc0Rz?oc=5) · ATM Marketplace
- 2026-01-13 [Crypto-Friendly Lender Old Glory to Go Public Through SPAC Deal - Bloomberg.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPZWhORkF5Q05XenFjcjFMWXZzMm1PbEREUlV1amIxVkxiRlc2dFExVHdvaFBDRVl4Q1BqQ1cxcVI4Z3djUk95RDZHVmg1dDFQSnZUb2NTVEdQTlBLaU5TQ2NFUkYyQS1QQU1yaXNyYVZfS1JsVVFnSGY0WF95RmtEM3JxT3hNMXFGMS1ENjlfUXFiZ0F5SmN0NEw5bWVjVjdQaU5jNXVQeURrSC0xdDVwQmhuaFM?oc=5) · Bloomberg.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18924 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "18924", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide