FIRST NATIONAL BANK & TRUST COMPANY OF MCALESTER

MCALESTER, OK | Medium | Est. Dec. 12, 1896, midnight | FDIC #4145 | RSSD #830355 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK & TRUST COMPANY OF MCALESTER is amn medium FDIC-insured commercial bank headquartered in MCALESTER, OK, established in Dec. 12, 1896, midnight. As of 2025-12-31, the bank reported total assets of $564M and total deposits of $493M. Profitability stands at 1.81% ROA and 16.22% ROE, with a net interest margin of 4.28%. The bank's CET1 capital ratio is 16.18%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.40% and a Texas Ratio of 7.13%. FDIC Certificate #4145.

Assets

$564M

Deposits

$493M

Loans

$350M

Equity

$64M

Profitability

Return on Assets (ROA) 1.81%
Return on Equity (ROE) 16.22%
Net Interest Margin (NIM) 4.28%
Yield on Assets 5.79%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 1.40%
Net Charge-Off Ratio 0.18%
Texas Ratio 7.13%
NPA Ratio 0.87%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 16.18%
Tier 1 Capital 16.18%
Total Capital Ratio 17.43%
Leverage Ratio 10.97%
Loan-to-Deposit 71.04%

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