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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

$2.6M$9.4MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 76% of banks under $1B in assets in the Oklahoma City, OK area
Bank 56.35%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.68%0.60%0.90%1.27%Beats 84%4 / 25
Return on Equity17.82%6.92%9.16%13.29%Beats 92%2 / 25
Net Interest Margin4.81%3.56%3.82%4.10%Beats 96%1 / 25
Efficiency Ratio56.35%56.35%63.12%79.22%Beats 76%7 / 25
Asset Quality
Nonperforming Loans / Loans0.28%0.33%0.76%2.35%Beats 84%5 / 25
Net Charge-Offs / Loans0.05%n/a0.00%0.05%Beats 28%19 / 25
Capital
Tier 1 Capital Ratio9.52%10.27%12.02%13.99%Beats 12%22 / 25
Total Risk-Based Capital Ratio9.52%10.27%12.44%15.25%Beats 12%22 / 25
Equity / Assets9.40%8.64%10.07%11.05%Beats 32%17 / 25
Liquidity & Funding
Loans / Deposits76.26%70.71%82.03%97.03%36th pctl16 / 25
Loans / Assets68.94%62.67%74.54%84.24%36th pctl16 / 25
Brokered Deposits / Depositsn/aNot reported for this institution