Invest in Old Glory Bank

John Rich
Dr. Ben Carson
Larry Elder

Our Co-Founders

Old Glory Bank was founded by these devoted patriots, along with a team of experienced bankers and business leaders.

John Rich - Country Music Singer/Songwriter and Entrepreneur

Dr. Ben Carson - Chairman of the American Cornerstone Institute and former Secretary of Housing and Urban Development

Larry Elder - Political Commentator and Author, Radio, and Television Host, and former gubernatorial and presidential candidate

Our Leadership and our Team bring additional expertise from financial industries, military service, law enforcement, and the FDIC.

All investments involve a degree of risk. Old Glory Holding Company cannot predict or guarantee any return on your investment. Please ensure that you understand the risk involved and that you may lose part or all of your investment.

Keep Old Glory Bank owned by Main Street, not Wall Street.

Your investment in Old Glory Bank enables our team and our mission to reach more freedom-loving Americans who deserve to have their privacy, security, and liberty protected. That means protecting our children, our neighbors, and our country from the overreach of Big Government and Big Banks.

The SEC has qualified our offering under Regulation A, through which our investors will receive fully tradeable shares (not restricted like our prior Regulation D offering). Regulation A is not limited to accredited investors. This investment is open to everyone.

The amount of stock we will sell is limited. Funds raised in this offering will be used to meet our capital ratios and expand business operations through new technology and infrastructure.

Investment Resources

Watch the Presentation from our CEO

President and CEO Mike Ring shares some helpful information about Old Glory Bank, our growth, and our future. Watch the presentation.

Offering Circular

This document filed with the SEC explains in detail our stock offering and information about Old Glory Holding Company. If you prefer, you may download the document.

Broker Information

Review FINRA BrokerCheck Form CRS regarding Rialto Markets.

Investment Steps

This article offers a tutorial on how to complete the investment process.

Invest Now

Join us now as an owner of Old Glory Bank, and help us strengthen our mission to bring Privacy, Security, and Liberty back to banking in America.

The minimum investment is $63, inspired by Deuteronomy 6:3:

Hear, Israel, and be careful to obey so that it may go well with you and that you may increase greatly in a land flowing with milk and honey, just as the LORD, the God of your ancestors, promised you. -Deuteronomy 6:3 NIV

Who is Old Glory Bank?

Co-founded by a team of patriots, Old Glory Bank is the online community bank for all of America.

We are a full-service, FDIC-insured bank, offering:

Personal Accounts, including options with no monthly fees
Business Accounts, including Positive Pay, ACH and Wire dashboards, and superior authorized user management
Home Loans, including VA, FHA, Conventional, and Refi
Business Loans, including SBA
Cash Deposits at over 88,000 retail locations
A network of over 40,000 fee-free ATMs
Our leading-edge mobile app with budget and planning tools
Card Manager with advanced debit card controls
Old Glory Pay, our own private, closed-loop, peer-to-peer payment app
Old Glory Alliance, cancel-proof fundraising powered by Old Glory Bank
Old Glory Protect, a $100,000 Line-of-Duty Death Benefit for first responders, military, and U.S. Border Patrol agents
Personal Customer Service from US-based agents

A collection of screenshots of our app

How do we stack up?

Digital First Peer Comparison

	Varo Bank Launched in 2021	Old Glory Bank Launched April 2023
Size and Employees	$161mm in Deposits as of 06/30/2025 372 Full-time Employees (lower deposits but 4x the employees)	$225mm in Deposits 85 Full-time Employees
Product Differences	No Business Banking No Business Lending No Home Loans Less Customer Service No savings goals No charitable giving with debit purchases No protection for our Protectors No crowdfunding platform	Retail and Business Mobile Banking Consumer and Business Lending (including SBA) Home Loans (including VA) Mon-Sat 8am - 8pm Customer Service Savings Goals & Account Aggregator in app Charitable Round-Up for debit transactions Old Glory Protect Line-of-Duty Death Benefit for Protectors Old Glory Alliance Crowdfunding platform Old Glory Pay Old Glory Cash-IN (88,000 locations)
Start-Up Negative Earnings	Year 1 (2021) = $265mm Loss Year 2 (2022) = $236mm Loss Year 3 (2023) = $105mm Loss Year 4 (2024) = $65mm Loss Year 5 (2025) = $91mm Loss Run-Rate Spent $400mm prior to launching	Year 1 (2023) = $12.5 mm Loss (8 months of accounts) Year 2 (2024) = $12.9mm Loss (full year) Year 3 (2025) = $9-10mm Projected Loss Year 4 (2026) = Projected Profitable Spent $4mm prior to launching

Source: https://cdr.ffiec.gov/public/ViewPDFFacsimile.aspx

Law-abiding citizens debanked.

It isn't just high-profile political figures. Every day Americans have been canceled for their beliefs, their medical choices, or their industry affiliations. Old Glory Bank believes that exercising your constitutional rights is not a criminal activity. Read more on our blog.

Melania Trump canceled headline

Private financial transactions shared with the Feds.

Representative Jim Jordan confirmed in 2023 what many knew was already happening - Big Banks were cowering to pressure from government agencies to provide the financial transactions of their customers. Buying a Bible or shopping for sporting goods now could put you on a federal list. Spending money in a certain place on a certain date might lead to a knock at your door from a government official. Read the report from the House Judiciary Committee and its Select Subcommittee on the Weaponization of the Federal Government.

Breaking News Jim Jordan graphic

On February 5, 2025, Old Glory Bank President and CEO Mike Ring was invited to testify at the Senate Banking Committee Hearing about the alarming reality of Debanking.

We at Old Glory Bank have been talking about and fighting against debanking for years. Finally, the right people are listening.

Watch our video highlights from the hearing and hear Mr. Ring's insights on how our country can fight against this overreach by big banks. Protect yourself from debanking by becoming a customer and an owner of Old Glory Bank. We stand with you.™

The Banking Bill of Rights

Old Glory Bank introduced The Banking Bill of Rights in direct response to report released by the Select Subcommittee on the Weaponization of the Federal Government. “Americans are tired of the government overreaching into every area of their lives,” declared author and media personality Larry Elder, who joined Former HUD Secretary Dr. Ben Carson, country music superstar John Rich, former Oklahoma Governor Mary Fallin-Christensen, and others as founders of Old Glory Bank. “Our Banking Bill of Rights represents five principles to protect Americans who bank with Old Glory Bank. We’ve always had these five principles at Old Glory Bank, and now they are clearly stated in our Banking Bill of Rights.”

Old Glory Bank holds these truths to be self-evident: that every American has the right to financial freedom, that big banks should not dictate who gets to use America’s financial institutions, and that there is nothing more un-American than being canceled for your beliefs.

Freedom of Association

The right to bank without the risk of cancellation because of your faith, industry, or beliefs.

Freedom of Financial Privacy

The right to banking privacy, shielded from improper government snooping.

Freedom from Censorship

The right to access online payment apps without the threat of cancellation by big tech censors.

Freedom of Lifestyle

The right to banking services without restrictions imposed by a "social credit score."

Freedom of American Values

The right to bank with institutions that respect and support your American values.

Our Growth is Strong

Historic Elmore City photo

We literally began on Main Street.

In Elmore City, Oklahoma, our roots began in 1903, when First State Bank of Elmore City was established. In 1907, we became the first chartered bank in the state. In 2022, we became Old Glory Bank.

US Flag over a US Map

From 600 accounts to over 65,000.

In 2022, we stepped out with a new name and a new mission: Old Glory Bank. The bank for patriotic Americans who believe in freedom, faith, family, and the flag.

Within 2 years, we have multiplied our account base by 100-fold, with customers in all 50 states.

Old Glory Bank Deposit Growth

Growing deposits by 2000%.

Up until launching our online accounts in the late Spring of 2023, our bank's deposits totaled approximately $10 million. Today, our deposits exceed $225 million and continue to grow month over month.

According to a report by McKinsey and Company, average total deposit balances across US banks declined in 2022 and 2023, and only began growing at a rate of approximately 4% in 2024. Old Glory Bank's growth has exceeded 2,000%!

Old Glory Bank Business Account Growth

Business Banking is soaring.

We launched our Business Banking accounts in October 2023. Since then, we have opened almost 2,600 accounts. Giving personal attention to each and every customer, our business team continues to open new relationships daily.

Our Business Banking services include innovative cash solutions, ACH and wire dashboards, Positive Pay, and business lending to help companies of all sizes reach their next level.

FAQs

What is the minimum investment?

The minimum investment required is $63. (Deuteronomy 6:3). Our stock will be priced at $7 per share through this offering, so your minimum investment would equal 9 shares.

Is this opportunity limited to accredited investors?

No. Our earlier round of investing in Spring 2024 was limited to accredited investors because of the Regulation D requirements. This opportunity is being offered under Regulation A, which allows anyone to invest in our stock.

May I invest more than once?

Yes, you may invest as much and as often as you like, up to the maximum investment amount as outlined by Regulation A, and until the investment deadline which will be announced on this page.

Why is there a limit to how much I can invest?

This offering is being conducted under Regulation A of the Securities Act, which limits the amount an individual may invest based on their income and net worth. These rules are put in place by the SEC and are not set by Old Glory Holding Company. Accredited investors are not subject to investment limits under Reg A.

Is there a broker involved?

Yes, we have chosen to partner with Rialto Markets for this opportunity in order to avoid state law restrictions and to improve the investor's experience. Rialto Markets will also serve as our electronic transfer agent. Form CRS

Is a return on my investment guaranteed?

No. Investments in private placements, start-up investments in particular, are speculative and involve a high degree of risk. Investors must be able to afford the loss of their entire investment. Offers to sell, or the solicitations of offers to buy any security can be made only through official offering documents that contain important information about risks, fees, and expenses associated with the applicable securities. Investors should conduct their own due diligence, not rely on the financial assumptions or statements displayed herein, and are encouraged to consult with a financial advisor, attorney, accountant, tax advisors, and any other professional that can help you to understand and assess the risks associated with any investment opportunity. Past performance does not indicate future results. There is no guarantee that a diversified portfolio will enhance overall returns, outperform a non-diversified portfolio, or prevent against loss.

I was denied the ability to invest. Why and how can I challenge this decision?

Assuming you are who you claim to be, you did not invest more than the law allows, and you funded your subscription, then it is unlikely that Old Glory Holding Company will not accept your subscription (assuming there are still shares left to sell). In the rare situation that Old Glory Holding Company does not accept your subscription, then we will contact you and explain why. Again, this is very, very unlikely.

What does Rialto Markets do with my personal information? Why does Rialto Markets need my social security number?

As our broker, Rialto Markets shares your personal information with Old Glory Bank so that we can complete your subscription. Rialto Markets does not use your SSN to run your credit, of course. They only use your SSN for the same reason a bank does: for KYC (Know Your Customer) requirements, including confirming you are not a terrorist listed on the OFAC list.

What if I fail identity verification?

Assuming you are who you claim to be (and you are not an international terrorist, for example), then there should be no concern. If there are ever questions, it’s usually because of a typo in the process. We will contact you to confirm the information.

Can I sell my shares? When can I sell?

Yes, your shares are “freely tradeable” and can be sold by you anytime. There is an electronic transfer agent who will keep track of your shares and register sales for you. However, today, it may be difficult to easily find a “buyer” for your shares, because there is not (today) a ready “market” of people who want to buy your shares. Therefore, it may benefit you to wait on selling any of your shares until Old Glory Holding Company is able to list these shares on an OTC (Over The Counter) Exchange, such as the OTCQX. This is not a certainty, but Old Glory Bank's leadership believes this can happen once all of these shares are sold in this mini-IPO. If you want to sell your shares before there is a ready market (such as an OTC exchange), then you will have to find the buyer(s) and coordinate the sale yourself, through your online portal.

Where or to whom can I sell my shares?

You may sell to anyone you desire. There is an electronic transfer agent who will keep track of your shares and register sales. However, it may benefit you to wait on selling any shares until Old Glory Holding Company is able to list these shares on an OTC (Over The Counter) Exchange, such as the OTCQX. This is not a certainty, but Old Glory Bank's leadership believes this can happen once all of these shares are sold in this mini-IPO.

How do I assign a beneficiary for my purchase?

Once you have completed your investment and registered for the Investor Portal, you may update your beneficiary information within the portal. You may also consult your personal attorney or estate planning advisor for advice.

What happens if the goal is met?

Once Old Glory Holding Company sells all of these shares in this mini-IPO, Old Glory Holding Company intends to list these shares on an OTC (Over The Counter) Exchange, such as the OTCQX. This is not a certainty, but Management at the company believes this can happen once all of these shares are sold in this mini-IPO.

What payment methods are acceptable to fund my investment?

We accept ACH and wire transfers, along with personal or cashier's checks. You may also use any major credit card (MasterCard, Visa, American Express, or Discover) or your Old Glory Bank debit card!

We are pleased to also accept nine different crypto coins to purchase our stock - Bitcoin, Ethereum, Bitcoin Cash, Doge, Litecoin, and more.

Full payment options and instructions for each will be provided as part of your investment process.

What browser is best for the investment process?

The desktop browsers Edge, Safari, and Chrome have been tested and confirmed to work well for the investment process. VPNs and privacy browsers may cause some issues in the process.

Why do you ask for Income and Net Worth information?

Due to regulatory requirements, net worth and income information are collected to ensure compliance with federal securities laws, specifically those established under Regulation A. These rules are designed to protect investors by ensuring they do not exceed the investment limits set by the Securities and Exchange Commission (SEC).

For Regulation A offerings, non-accredited investors are limited to investing no more than 10% of their annual income or net worth, whichever is greater. By collecting this information, we can confirm that your investment falls within these guidelines and that we remain in compliance with SEC regulations.

I encountered an error with the Invest Now process. What should I do now?

If you encounter any trouble with the Invest Now process, please see this article for some helpful guidance. If you still encounter trouble, please contact us so that we may assist. We apologize for any inconvenience.

We are excited about your interest in becoming an owner of Old Glory Bank.

If you encounter any error with the Invest Now process when trying to make your investment, please see this article for some helpful information. If your trouble persists, kindly submit this form so that we may assist with resolving the issue.

Investment opportunities accessible through this website include offerings made in reliance on the registration exemptions provided by Section 4(a)(2) of the Securities Act of 1933, as amended (the “Securities Act”) and Regulation A promulgated thereunder. Unless indicated otherwise, all securities-related activity is conducted by Rialto Markets LLC, a broker-dealer and member of FINRA/SIPC. Rialto Markets, LLC is the broker dealer for this offering. Neither the SEC, the FDIC, the OSBD, nor any other federal or state securities commission or regulatory authority has recommended or approved any investment or the accuracy or completeness of any of the information or materials provided by or through this website. All securities listed on this website are being offered by, and all information included on this website is the responsibility of, the issuer of such securities. Old Glory Holding Company. From time to time, Old Glory Holding Company may seek to qualify additional series offerings of securities under Regulation A.

Investments in private placements, start-up investments in particular, are speculative and involve a high degree of risk. Investors must be able to afford the loss of their entire investment. Offers to sell, or the solicitations of offers to buy any security can be made only through official offering documents that contain important information about risks, fees, and expenses associated with the applicable securities. Investors should conduct their own due diligence, not rely on the financial assumptions or statements displayed herein, and are encouraged to consult with a financial advisor, attorney, accountant, tax advisors, and any other professional that can help you to understand and assess the risks associated with any investment opportunity. Past performance does not indicate future results. There is no guarantee that a diversified portfolio will enhance overall returns, outperform a non-diversified portfolio, or prevent against loss.

Forward-Looking Statement Disclaimer: This communication may contain forward-looking statements based on current expectations. Actual outcomes may differ materially due to various risks and uncertainties.

©2024-2025 Old Glory Intellectual Property Holdings, LLC

This website is owned and operated by Old Glory Bank. The Regulation A offering listed on this website is managed by Rialto Markets, LLC, the broker dealer of record listed in the offering details.

Investments are not a deposit, not FDIC-insured, not guaranteed by the bank, and are subject to risk and may lose value.