First National Bank & Trust Company of McAlester: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank & Trust Company of McAlester 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 | 1.98% | 1.34% | +0.64% | 85th top |
| ROAE | 18.26% | 13.32% | +4.94% | 81st top |
| Net Interest Margin | 4.18% | 3.93% | +0.25% | 63rd above |
| Efficiency Ratio | 53.93% | 61.13% | -7.20% | 72nd above |
| PPNR / Avg Assets | 2.02% | 1.68% | +0.34% | 73rd above |
| Yield on Earning Assets | 5.58% | 5.67% | -0.09% | 49th below |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.58% | 3.32% | +0.26% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.56% | 0.94% | +0.62% | 17th bottom |
| NPA / Total Assets | 0.94% | 0.70% | +0.24% | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 87.54% | 1547.02% | -1459.48% | 23rd bottom |
| Texas Ratio | 8.29% | 7.34% | +0.95% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.89% | 12.14% | -1.25% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.95% | 11.37% | -0.42% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.63% | 11.08% | -0.45% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.41% | 80.67% | -11.26% | 71st above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.49% | 86.85% | +0.64% | 41st below |
| Wholesale Funding Ratio | 0.80% | 5.04% | -4.24% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.40% | 6.84% | -4.44% | 35th below |
| Loan Growth (Y/Y) | 2.33% | 7.92% | -5.59% | 33rd below |
| Deposit Growth (Y/Y) | 1.22% | 6.29% | -5.07% | 30th below |
See First National Bank & Trust Company of McAlester's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank & Trust Company of McAlester, 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 First National Bank & Trust Company of McAlester profile, how to read a UBPR, or how this data updates.