BANK, NATIONAL ASSOCIATION, THE

MCALESTER, OK | Small | Est. May 17, 1927, midnight | FDIC #4146 | RSSD #829050 | OCC
Latest Report: 2025-12-31

BANK, NATIONAL ASSOCIATION, THE is asn small FDIC-insured commercial bank headquartered in MCALESTER, OK, established in May 17, 1927, midnight. As of 2025-12-31, the bank reported total assets of $477M and total deposits of $435M. Profitability stands at 0.70% ROA and 7.97% ROE, with a net interest margin of 4.23%. The bank's CET1 capital ratio is 8.46%. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 5.05%. FDIC Certificate #4146.

Assets

$477M

Deposits

$435M

Loans

$280M

Equity

$40M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 7.97%
Net Interest Margin (NIM) 4.23%
Yield on Assets 5.70%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio 0.04%
Texas Ratio 5.05%
NPA Ratio 0.47%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 8.46%
Tier 1 Capital 8.46%
Total Capital Ratio 8.88%
Leverage Ratio 10.93%
Loan-to-Deposit 64.30%

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