The Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank, N.A. of McAlester, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.91% | 1.34% | +0.57% | 82nd top |
| ROAE | 21.70% | 13.32% | +8.38% | 91st top |
| Net Interest Margin | 4.30% | 3.93% | +0.37% | 70th above |
| Efficiency Ratio | 59.43% | 61.13% | -1.70% | 56th above |
| PPNR / Avg Assets | 1.92% | 1.68% | +0.24% | 69th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.67% | -0.07% | 50th above |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 4.06% | 3.32% | +0.74% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.25% | 0.94% | +0.31% | 23rd bottom |
| NPA / Total Assets | 0.85% | 0.70% | +0.15% | 24th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 101.18% | 1546.87% | -1445.69% | 28th below |
| Texas Ratio | 9.01% | 7.34% | +1.67% | 24th bottom |
| Provision / NCO | 2004.76% | 1394.43% | +610.33% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.85% | 12.14% | -1.29% | 48th below |
| Equity / Assets | 8.89% | 11.37% | -2.48% | 26th below |
| TCE / Tangible Assets | 8.89% | 11.08% | -2.19% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.78% | 80.66% | -5.88% | 62nd above |
| Core Deposit Ratio | 93.71% | 86.85% | +6.86% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.90% | 6.84% | +1.06% | 75th top |
| Loan Growth (Y/Y) | 26.14% | 7.91% | +18.23% | 96th top |
| Deposit Growth (Y/Y) | 7.25% | 6.29% | +0.96% | 72nd above |
See The Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank, N.A. profile, how to read a UBPR, or how this data updates.