# ARMSTRONG BANK
MUSKOGEE, OK · FDIC certificate 2315 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $2.84B | |
| Deposits | $2.59B | |
| Loans and leases | $2.08B | |
| Total equity | $232.9M | |
| Loans / deposits | 79.33% (p31 of band) | 87.10% |
| Liquid assets / assets | 22.18% (p54 of band) | |
| Uninsured deposits / deposits | 24.46% (p29 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.42% (p48 of band) | 10.50% |
| Unrealized securities loss / equity | -49.34% (p3 of band) | -7.75% |
| AOCI / equity | 3.59% (p99 of band) | |
| ROA (annualized) | 1.37% (p60 of band) | 1.26% |
| Net interest margin | 3.99% (p67 of band) | 3.70% |
| Efficiency ratio | 59.07% (p50 of band) | |
| Noncurrent loans | 0.25% (p28 of band) | 0.51% |
| Net charge-offs (annualized) | 0.11% (p77 of band) | |
| Reserve coverage of noncurrent | 424.55% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 112.60% (p92 of band) | |
| Auto loans | $35.2M (1.70% of loans; DQ 2.76%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 421 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | charge-offs p90 |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, charge-offs p90 |  |
| 2019-06 | 3 | noncurrent p90 | capital falling |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 2 | noncurrent p90 |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 | brokered >10% | reserve under noncurrent, noncurrent p90, capital falling |
| 2021-12 | 0 |  | brokered >10% |
| 2022-03 | 3 | AOCI drag >20% of equity, charge-offs p90, uninsured deposits leaving |  |
| 2022-06 | 4 | securities losses >30% of equity, construction >100% equity | charge-offs p90 |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 1 |  | construction >100% equity |
| 2023-09 | 2 | construction >100% equity |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | capital falling, NIM <2.5% |  |
| 2024-06 | 2 |  | capital falling, NIM <2.5% |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

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

- 2025-12-16 [Oklahoma's Armstrong Bank pushes into Dallas - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOdVpkdUY3M0szZHhKZGthejFRN2RBT2RwYXBzS1FHcjRZOWJoa1cya294bjlGSVNXUkVPNTFTdDBJOWVwb2tCU2xwUV9RUHFUMkVoc1k1MmxvdGRZSl9oY0xnNFFSX0VtY0xGY1plWkxSbUZYc2I4c1pJa0JGZzRUWnlpNGJ3bEtHSHBJQWxkd084czg5eGQ0YnZEa20xMlY5NUlJQlQtVQ?oc=5) · The Business Journals
- 2026-04-13 [News | Armstrong Bank acquires former religious facility in Tulsa, Oklahoma, for $4.95 million - costar.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOeTRMVDUxUnM2aUVqRFhwT3N5eHpLQ05XR1FQRjZHemJpc2Fhc3pCV25Ea3hPMVowX0piQUlmQzdrOWs4ck1LY3lZeUx0Y2lzbFE3MWJfQzA5a2tncTBwZjl4aDN0QjRMb3c4a3gtd1Bma3gzWnhVQkRieXM0eWNlQ2VobExKeWtNeFVOYVlDejU1d004aGZkakhwakN1Sjhoc3BDU3VPY2dKbnM4ZERKRDFJYmJuQ0JwcS12ZmlpX0VlX2M?oc=5) · costar.com
- 2026-01-22 [Construction of second Target location begins as part of new retail center in southeast Norman - OU Daily](https://news.google.com/rss/articles/CBMiygFBVV95cUxOWk02SV9hUzJsS2lJWUtIVXZGOFBhQ1RqVEtYbHE1bG1zV3NrdlY2RzByQ0dRb3p3NC0tRkJORnpZRGFhVENJR19uR1FPWU9JWUd1VVVEMnRnVS11OWViMm9VX3BRZHlFc3BvbDdLRVdjYVVtRjZjRWswa1JVZ1duSGRpbi05SWEwUGJqZVFhTFpIOF91dmhGU296dVVjQmpiRE51c0NVN0d2d2RCa3l4dlJqMVN4Y3lNajFQUGF2aG5MTVNsUHVXOHF3?oc=5) · OU Daily
- 2025-07-17 [Armstrong Bank makes NWA leadership changes, opens Rogers loan office - Talk Business & Politics](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNTBDcHN1bFdYNVo5N0ozOUlDMjFCV0dZaU1vamFJejVMNGlrbks3Nzlla01haGt2MXhpWTZQNFNIV0Jsb2k3RHRZUnhCbEpSeVpDejlGSkVCSjM5eW1IZThaNUJlX2ZUN1F0UjNtYnlhd2xPVTZkV2FyN2ZVS3Bvb1l2akllbG0tWURxTVFpMUFhOVE2ZUpBV3FOZnBob0JVQnZoTg?oc=5) · Talk Business &amp; Politics
- 2026-01-25 [Second Target Planned in Norman as Armstrong Bank Retail Center Breaks Ground - Construction Owners](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNaUV2U0dFcjdmMFpaeGZIMTJ3WHFuNDd6TnU4VXdYZk1nVHNUenF4eEhxM1VFN0NZYUtSOXhiOFRGNDdDR1lKWGNVUGVJREJzRm5ORTZScjQ2bVJIME96RjFMYVdBTkZvc1REa1ljY0h0cGRBZnRxSVE5THg3OXRmQVJ6LWp1RkdES3hHNGg0UE9tTHdTaFBXVFp3TXdOdFJEVW1WV0hCaFc?oc=5) · Construction Owners
- 2020-08-01 [Norman native promoted at Armstrong Bank - Norman Transcript](https://news.google.com/rss/articles/CBMixwFBVV95cUxQR2lFR2R5aWk4TFF6U1VCbGtpZHY1LWF6Y0E3Mjd2R2xJLW8zZUVyc0tmbk45ajl3WE4taElueEZiQVE0S1E3d2xTNzRyUHpLSVFubXYzd09meENicVF3UGdYaW1SWGtOWm9LaGh1V3l5MUxqZTM1dFBaYXJ5Y3ZQeEllVF9ralVMRUZzaWFGT1JSMnJ1LU9aZFNsOGNMVmkyY1M1SDRCVVRVOElONlNYamJDUzlwUGNEZ0NmNFIxODBJZHlHRTNn?oc=5) · Norman Transcript
- 2025-08-18 [New Hires at Polk Stanley Wilcox, Armstrong Bank & Lexicon (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdG5oX05HeGNkeWdUN3hUYjhHWkJmZzZRazQ3TWFfQ1VFOUZqbFRVWkUxOHFyWndhR1lQZk9wb0VlOTU5YkxMNHl3cmt6T1RRMy1WWE1JNmxjN1BoT1BNSFc1V0ZzWWNlVFJ5T2Vlb0hFNUw1dnlIS3kzS1hZWi05OXZaNDdrNVJlRElnOE16ZVRfaVhVdXpyd0I0RnY1NmEw?oc=5) · Arkansas Business
- 2022-07-19 [Watch as man walks in and robs bank in Bartlesville, Okla. - koamnewsnow.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOaVZSUFdkMlVleUZ0b25RQlE3YXVjMi1zXzdoc05HR2VET01fY0JiSmQxN1lGcjU3cmNsNl9RTGsySGlDbGFYejlPaXpVMzVYd0JaWEhZUE5FVHN3S2xvRk56aHpUbUtFanI2eldSMU5DMmFZNDVKYVBDZUZ2Y3pNTHhncUxFUEpLamh5dmpsWlZIaEFPdnNCVGlScm5uRlhVTm5ELUxGbzFCc2czWnJVczF2NVZCMENmbUJQYkVZR2wtWkJadXhCVGg5MkNUS1RpTGg4cDFIdjdveUh2bWtVV0tHZXlFWkhSRjBtZ2h3?oc=5) · koamnewsnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2315 (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/11.json (key "2315", 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