The Bank, N.A. (McAlester, OK)
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Data as of · sourced from FFIEC call reports. How we update
The Bank, N.A. is an FDIC-insured commercial bank headquartered in McAlester, OK, established in 1927 (FDIC certificate 4146), and it is supervised by the OCC. At Q2 2026 it reported total assets of $488.1M, up 7.9% from Q2 2025, the 53rd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4146
- Headquarters
- McAlester, OK
- Established
- 1927
- Total assets, Q2 2026
- $488.1M
- Assets vs Q2 2025
- +7.9%
- Tier 1 leverage ratio, Q2 2026
- 10.85%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103100250
- Latest call report
- Q2 2026, FFIEC 051 · The Bank, N.A. call report
- Holding company
- NBM CORPORATION
- Asset rank in state
- 53rd of 169 in Oklahoma
Problem loans are rising at The Bank, N.A.. The Mcalester, Oklahoma bank had $488 million in assets at June 30, 2026, up 7.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.27% of loans from 0.76% a year earlier. It returns 21.7% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also grew its loan book 26.1% over the year, 4.8 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 26.1% and deposits rose 7.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $16 million equal 30% of Tier 1 capital, down from 41% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Bank, N.A. reported a return on assets of 1.91%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 8.86%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The Bank, N.A. is the 53rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $488.1M, loans rose 12.4% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.6%. Its 6 offices in the FDIC Summary of Deposits are in Mcalester, OK, Stillwater, OK and Broken Arrow, OK; its Mcalester 3 offices book 80% of its branch deposits. On its Q2 2026 call report, The Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E Carl Albert Pkwy, McAlester, OK 74501
- County
- Pittsburg
- Metro Area
- McAlester, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 17, 1927
- Former names
- The Bank, National Association (1986)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $442.8M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $483.3M
- Average total loans
- $315.3M
- Average interest-bearing deposits
- $427.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4146
- Fed RSSD
- 829050
- Website
- www.thebankna.bank →
- Parent Holding Company
- NBM CORPORATION (RSSD 1056684)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Bank, N.A.'s total assets moved between a low of $434.8M (Q3 2024) and a high of $488.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$488.1M total assets against $452.3M; $444.6M total liabilities against $414.5M.
$326.9M net loans and leases against $259.0M; $442.8M total deposits against $412.8M.
$131.5M securities against $151.0M; $11.4M cash and balances due against $25.6M.
$6.6M total interest income against $5.9M; $1.6M total interest expense against $1.7M.
$5.0M net interest income against $4.2M.
$837K total noninterest income against $851K; $3.6M total noninterest expense against $3.0M.
$9K provision for credit losses against $2K.
$2.3M net income against $2.0M.
1.91% return on assets against 1.80%; 4.30% net interest margin against 3.80%.
10.85% tier 1 leverage ratio against 11.09%.
Inside the full The Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Bank, N.A. rankings
Its closest position to the top of a national ranking is 596 of 3,611, for ROA; its furthest is 1,754 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q4 2025) to 1.91% (Q2 2026) and its net interest margin ran from 3.54% (Q1 2025) to 4.30% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 1.91% | 1.30% | 8.86% | 4.30% |
| Q1 2026 | 10.68% | 1.37% | 1.57% | 10.08% | 4.03% |
| Q4 2025 | 10.93% | 0.72% | 0.85% | 5.39% | 4.07% |
| Q3 2025 | 11.49% | 1.73% | 1.05% | 6.16% | 3.96% |
| Q2 2025 | 11.09% | 1.80% | 0.76% | 4.79% | 3.80% |
| Q1 2025 | 10.79% | 1.24% | 0.76% | 4.73% | 3.54% |
| Q4 2024 | 10.90% | 0.75% | 0.91% | 5.83% | 3.67% |
| Q3 2024 | 11.22% | 1.51% | 1.02% | 6.00% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank, National Association | Mcalester , OK | 74501 | $355.7M |
| West 6th Avenue Branch | Stillwater , OK | 74074 | $81.9M |
| Broken Arrow Branch | Broken Arrow , OK | 74012 | $5.1M |
| Shops of Mcalester Branch | Mcalester , OK | 74501 | $0 |
| Boomer Drive-Thru Branch | Stillwater , OK | 74075 | $0 |
| Walmart Branch | Mcalester , OK | 74501 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 19, 1988 | Structure Change | Acquired Citizens State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 18, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1987 | Structure Change | Acquired Peoples State Bank & Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 29, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 1986 | Structure Change | Acquired Stillwater Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 28, 2011, OCC: Civil Money Penalty (CMP): The Bank National Association
- Period: Most recent institution action January 28, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OK, rank 56 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $245K approved, $122K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank, N.A.
What are The Bank, N.A.'s total assets?
As of the Q2 2026 filing, The Bank, N.A. reported total assets of $488.1 million in its FFIEC call report.
Where is The Bank, N.A. headquartered?
It is headquartered in McAlester, OK, United States.
When was The Bank, N.A. founded?
It was established in 1927, per the FDIC institution directory.
Is The Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank, N.A.?
The Bank, N.A.'s primary federal regulator is the OCC.
How many branches does The Bank, N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 8.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank, N.A. previously called?
The charter now named The Bank, N.A. has also operated as The Bank, National Association (1986), per FDIC structure-change records.
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