Bank, National Association, The
McAlester, OK · Cert 4146 · Peer group: banks under $1B in assets in OK (n=88-89) · NBM Corp.
National charter · OCC · 6 branches
Q2 2026
$488.1MAssets
$331.1MLoans
$442.8MDeposits
$43.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 71% of banks under $1B in assets in OK (rank 26 of 89).
- Widest gap: equity / assets trails 81% of banks under $1B in assets in OK (rank 72 of 89).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.26%
Rank 46 of 89
Net Interest Margin
4.01%
Rank 40 of 89
Efficiency Ratio
61.95%
Rank 47 of 89
Equity / Assets
8.89%
Rank 72 of 89
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 48% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.85% | 1.26% | 1.60% | Beats 48% | 46 / 89 | | |
| Return on Equity | 14.12% | 7.40% | 11.89% | 14.65% | Beats 71% | 26 / 89 | | |
| Net Interest Margin | 4.01% | 3.46% | 3.93% | 4.45% | Beats 55% | 40 / 89 | | |
| Efficiency Ratio | 61.95% | 54.70% | 60.95% | 71.14% | Beats 48% | 47 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.30% | 0.30% | 0.82% | 2.25% | Beats 41% | 53 / 88 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 67% | 30 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 10.85% | 10.89% | 13.00% | 16.33% | Beats 22% | 69 / 89 | | |
| Total Risk-Based Capital Ratio | 10.85% | 11.20% | 13.06% | 16.33% | Beats 20% | 71 / 89 | | |
| Equity / Assets | 8.89% | 9.26% | 10.94% | 13.52% | Beats 19% | 72 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.78% | 61.51% | 72.27% | 84.01% | 53rd pctl | 41 / 88 | | |
| Loans / Assets | 67.84% | 52.51% | 63.15% | 71.27% | 62nd pctl | 34 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |