First National Bank & Trust Company of McAlester
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
First National Bank & Trust Company of McAlester is an FDIC-insured commercial bank headquartered in McAlester, OK, supervised by the OCC, with $580.4M in total assets at Q2 2026, up 2.4% from Q2 2025, the 47th largest of 169 banks headquartered in Oklahoma. It was established in 1896 and holds FDIC certificate 4145. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.89% 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
- 4145
- Headquarters
- McAlester, OK
- Established
- 1896
- Total assets, Q2 2026
- $580.4M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 10.89%
- Domestic offices
- 6 · First National Bank & Trust Company of McAlester branches FDIC institution directory, current count
- Routing number
- 103100218
- Safety and soundness
- Is First National Bank & Trust Company of McAlester safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank & Trust Company of McAlester Q3 2026 call report, filed October 28, 2026 (preliminary)
- Holding company
- FIRST OF MCALESTER CORPORATION
- Asset rank in state
- 47th of 169 in Oklahoma
First National Bank & Trust Company of McAlester leans heavily on commercial real estate. Its balance sheet stood at $580 million at June 30, 2026, up 2.4% from a year earlier; it is based in Mcalester, Oklahoma. It holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it earns about $1.98 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Earnings jumped: net income for the quarter was $2.9 million, 37% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.34% of loans, down from 1.68% a year earlier.
As of June 30, 2026, First National Bank & Trust Company of McAlester reported a return on assets of 1.98%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 7.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank & Trust Company of McAlester is the 47th largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $580.4M, loans fell 1.2% and deposits fell 0.1%. Non-owner-occupied commercial real estate loans made up 39.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.1%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in OK; its Mcalester 3 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank & Trust Company of McAlester meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 235 E Choctaw Ave, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 12, 1896
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $504.2M
- Allowance for credit losses
- $4.8M
- Net charge-offs (YTD)
- -$37K
- Average total assets
- $584.2M
- Average total loans
- $347.8M
- Average interest-bearing deposits
- $370.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4145
- Fed RSSD
- 830355
- Website
- www.fnbmcalester.com →
- Parent Holding Company
- FIRST OF MCALESTER CORPORATION (RSSD 1055762)
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, First National Bank & Trust Company of McAlester reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First National Bank & Trust Company of McAlester's total assets ranged from $543.0M (Q3 2023) to $580.4M (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
$580.4M total assets against $566.8M; $516.8M total liabilities against $505.9M.
$345.2M net loans and leases against $337.2M; $504.2M total deposits against $498.1M.
$182.5M securities against $152.0M; $15.4M cash and balances due against $41.3M.
$7.5M total interest income against $6.8M; $1.9M total interest expense against $2.0M.
$5.6M net interest income against $4.8M.
$824K total noninterest income against $764K; $3.5M total noninterest expense against $3.3M.
$60K provision for credit losses against $145K.
$2.9M net income against $2.1M.
1.98% return on assets against 1.48%; 4.18% net interest margin against 3.63%.
10.89% tier 1 leverage ratio against 10.75%.
Inside the full First National Bank & Trust Company of McAlester 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.
First National Bank & Trust Company of McAlester rankings
Its closest position to the top of a national ranking is 512 of 3,611, for ROA; its furthest is 1,591 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.14% (Q4 2024) to 1.98% (Q2 2026) and its net interest margin ran from 3.22% (Q3 2024) to 4.24% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.89% | 1.98% | 1.34% | 7.07% | 4.18% |
| Q1 2026 | 10.98% | 1.87% | 1.36% | 7.34% | 4.09% |
| Q4 2025 | 10.97% | 1.80% | 1.55% | 8.19% | 4.24% |
| Q3 2025 | 10.77% | 1.56% | 1.75% | 9.20% | 3.79% |
| Q2 2025 | 10.75% | 1.48% | 1.68% | 9.06% | 3.63% |
| Q1 2025 | 10.83% | 1.41% | 1.67% | 9.56% | 3.55% |
| Q4 2024 | 10.71% | 1.14% | 1.31% | 7.66% | 3.35% |
| Q3 2024 | 10.37% | 1.25% | 1.39% | 7.80% | 3.22% |
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 |
|---|---|---|---|
| First National Bank & Trust Company of McAlester (main office) | Mcalester , OK | 74501 | $390.7M |
| Drive-In Branch | Wilburton , OK | 74578 | $66.0M |
| Hartshorne Branch | Hartshorne , OK | 74547 | $32.8M |
| First National Bank & Trust Company of Mcalester - Poteau Branch | Poteau , OK | 74953 | $14.6M |
| Drive-In Branch | Mcalester , OK | 74501 | $0 |
| Detached Drive-In Facility 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 |
|---|---|---|---|
| November 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2016 | Structure Change | Acquired Wilburton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 1987 | Structure Change | Acquired Citizens Bank of Krebs Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 8, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 48 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $42K approved, $42K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First National Bank & Trust Company of McAlester
What are First National Bank & Trust Company of McAlester's total assets?
As of the Q2 2026 filing, First National Bank & Trust Company of McAlester reported total assets of $580.4 million in its FFIEC call report.
Where is First National Bank & Trust Company of McAlester headquartered?
It is headquartered in McAlester, OK, United States.
When was First National Bank & Trust Company of McAlester founded?
It was established in 1896, per the FDIC institution directory.
Is First National Bank & Trust Company of McAlester FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank & Trust Company of McAlester?
First National Bank & Trust Company of McAlester's primary federal regulator is the OCC.
How many branches does First National Bank & Trust Company of McAlester 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 First National Bank & Trust Company of McAlester's Texas Ratio?
Its Texas Ratio is 7.07% 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.
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