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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

Armstrong Bank

Muskogee, Oklahoma · $2.84B in assets · beside the 11 other Oklahoma banks between $1B and $3B

The filing

8.2%
Equity / assets
11th of 12
80.2%
Loans / deposits
3rd of 12
0.25%
NPA / loans
3rd of 12

Armstrong Bank is the second largest of the 12 Oklahoma banks nearest its size between $1B and $3B, with $2.84B in assets at 30 June 2026. Loans are 80.2% of deposits, 3rd of 12 against a median of 96.6%, and equity is 8.2% of assets, 11th of 12. Loans grew +19.7% in the year, 3rd of 12, and deposits grew 13.0%; the cohort's median loan growth is +10.4%.

Noncurrent loans are 0.25% of the book, 3rd of 12 against a median of 0.51%; 1.04% is 30 to 89 days past due, and the allowance covers them 4.2 times. Net charge-offs are 0.15% of loans, 10th of 12. Commercial real estate is 31.3% of loans, 4th of 12 against a median of 38.3%, and 204% of capital, below the 300% screen, with construction at 82% against the 100% screen. CRE has grown +64.8% over 36 months, past the guidance's 50% prong.

Return on assets is 1.31%, 5th of 12 against a median of 1.17%, on an efficiency ratio of 59.2%, 4th of 12. Five years ago it was 1.25%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsOK banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 9.5% IB International Bank of Com 15.6% B Bank 7 13.9% GF Gateway First Bank 13.7% SB Sovereign Bank 10.6% GP Great Plains National Bank 10.0% BS Blue Sky Bank 9.7% RB Regent Bank 9.4% AH American Heritage Bank 9.2% FO First Oklahoma Bank 8.8% FF First Fidelity Bank 8.4% AB Armstrong Bank 8.2% MB Mabrey Bank 7.1%
Loans, year over yearOK banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +10.4% RB Regent Bank +21.9% SB Sovereign Bank +20.4% AB Armstrong Bank +19.7% FO First Oklahoma Bank +12.8% MB Mabrey Bank +12.7% BS Blue Sky Bank +11.3% GP Great Plains National Bank +9.5% FF First Fidelity Bank +7.9% B Bank 7 +6.8% GF Gateway First Bank +6.1% AH American Heritage Bank -1.7% IB International Bank of Com -3.1%

SBA 7(a), FY2008 to FY2026

Armstrong Bank is the 27th largest 7(a) lender into Oklahoma of 358, with $31M across 79 loans, 0.7% of everything approved in the state (Bancfirst leads with $793M). 11 of its 24 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sebastian, AR$6M7th of 505.3%thin
Tulsa, OK$5M35th of 1590.5%thin
Walton, FL$5M11th of 583.4%thin
Rogers, OK$4M8th of 474.1%thin
Muskogee, OK$3M8th of 364.2%+4.7 pts
Washington, AR$3M18th of 921.0%quiet FY2011
Pawnee, OK$3M2nd of 1816.3%thin
Cleveland, OK$3M18th of 881.4%-1.5 pts
Washington, OK$3M5th of 278.2%quiet FY2022
Benton, AR$2M31st of 900.6%quiet FY2018
Cherokee, OK$2M4th of 178.5%quiet FY2022
Rockdale, GA$2M33rd of 800.7%quiet FY2017
Canadian, OK$2M18th of 651.3%thin
11 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade22$12M24.4%0.02%432nd of 2,589
Construction7$10M20.6%0.03%359th of 2,063
Other services18$7M13.4%0.02%444th of 2,248
Manufacturing11$6M11.7%0.02%624th of 2,246
Accommodation & food services16$5M10.3%0.01%799th of 2,596
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and Armstrong Bank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans AB Armstrong Bank 0.7% $31M · 79 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Armstrong BankRankCohort median
Total CRE against capital, the 300% screen204%3rd of 12248%
Construction against capital, the 100% screen82%6th of 1283%
Construction and land development, share of loans12.6%7th of 1212.4%
Non-owner-occupied nonfarm nonresidential, share of loans14.2%2nd of 1222.5%
Total CRE, the guidance definition, share of loans31.3%4th of 1238.3%
CRE growth over 36 months, the third prong+64.8%9th of 12+38.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Fidelity Bank$2.98B1.1%59.9%0.46%0.04%1.2%86.0%8.4%
Armstrong Bank$2.84B1.3%59.2%0.25%0.15%1.1%80.2%8.2%
Regent Bank$2.24B0.9%66.2%2.51%0.05%1.2%96.5%9.4%
Gateway First Bank$2.06B1.4%74.8%4.36%0.02%0.7%124.3%13.7%
Mabrey Bank$2.02B1.2%58.1%0.41%0.01%1.2%94.5%7.1%
Great Plains National Bank$1.93B1.8%65.8%1.33%0.37%1.2%96.6%10.0%
Bank 7$1.91B2.2%45.3%0.39%-0.01%1.2%97.8%13.9%
International Bank of Com$1.63B1.3%55.6%0.66%0.26%1.7%55.8%15.6%
American Heritage Bank$1.48B0.9%68.3%0.21%0.11%1.5%43.4%9.2%
Sovereign Bank$1.47B0.6%75.4%0.06%0.00%1.3%101.1%10.6%
Blue Sky Bank$1.35B0.9%67.0%2.06%0.01%1.2%101.0%9.7%
First Oklahoma Bank$1.34B0.9%64.2%0.55%0.07%0.9%97.6%8.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Armstrong BankCohort median
20212026Change20212026Change
Loans$1.25B$2.08B+66%$816M$1.58B+93%
Deposits$2.13B$2.59B+22%$991M$1.46B+48%
NPA / loans1.68%0.25%-1.43 pts0.36%0.51%+0.14 pts
Efficiency60.7%59.2%-1.5 pts62.4%65.0%+2.6 pts
ROA1.25%1.31%+0.06 pts1.17%1.17%-0.00 pts

This read was prepared for Armstrong Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Armstrong Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $1B to $3B
Institution www.armstrong.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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