McClain Bank
Purcell, OK · Cert 4187 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · McClain County Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$294.0MAssets
$202.7MLoans
$265.8MDeposits
$27.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 1 of 25).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in the Oklahoma City, OK area (rank 22 of 25).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.68%
Rank 4 of 25
Net Interest Margin
4.81%
Rank 1 of 25
Efficiency Ratio
56.35%
Rank 7 of 25
Equity / Assets
9.40%
Rank 17 of 25
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 76% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.60% | 0.90% | 1.27% | Beats 84% | 4 / 25 | |
| Return on Equity | 17.82% | 6.92% | 9.16% | 13.29% | Beats 92% | 2 / 25 | |
| Net Interest Margin | 4.81% | 3.56% | 3.82% | 4.10% | Beats 96% | 1 / 25 | |
| Efficiency Ratio | 56.35% | 56.35% | 63.12% | 79.22% | Beats 76% | 7 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.33% | 0.76% | 2.35% | Beats 84% | 5 / 25 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.05% | Beats 28% | 19 / 25 | |
| Capital |
| Tier 1 Capital Ratio | 9.52% | 10.27% | 12.02% | 13.99% | Beats 12% | 22 / 25 | |
| Total Risk-Based Capital Ratio | 9.52% | 10.27% | 12.44% | 15.25% | Beats 12% | 22 / 25 | |
| Equity / Assets | 9.40% | 8.64% | 10.07% | 11.05% | Beats 32% | 17 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 76.26% | 70.71% | 82.03% | 97.03% | 36th pctl | 16 / 25 | |
| Loans / Assets | 68.94% | 62.67% | 74.54% | 84.24% | 36th pctl | 16 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |