First National Bank & Trust Company of McAlester: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 10.89% +1.89 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $63.4M | 63,396 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $582.1M | 582,086 | RCOAA224 |
| Recomputed ratio | 10.89% | numerator / denominator | |
| Filed ratio | 10.89% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +1.89 pp | $11.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | RCOAP742 |
| Retained earnings | 55,472 | 54,792 | 54,134 | 53,497 | 52,953 | 52,478 | RCOAKW00 |
| Accumulated other comprehensive income | (1,949) | (1,801) | (318) | (1,133) | (2,045) | (3,237) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 63,523 | 62,991 | 63,816 | 62,364 | 60,908 | 59,241 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (127) | (275) | (1,758) | (943) | (31) | 1,161 | P859 - P840 |
| Common equity Tier 1 capital | 63,396 | 62,716 | 62,058 | 61,421 | 60,877 | 60,402 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 63,396 | 62,716 | 62,058 | 61,421 | 60,877 | 60,402 | RCOA8274 |
| Tier 2 capital | NA | 4,930 | 4,794 | 4,847 | 4,666 | 4,798 | |
| Allowance includable in Tier 2 capital | NA | 4,930 | 4,794 | 4,847 | 4,666 | 4,798 | |
| Total capital | NA | 67,646 | 66,852 | 66,268 | 65,543 | 65,200 | |
| Total risk-weighted assets | NA | 394,435 | 383,457 | 387,535 | 373,072 | 384,806 | |
| Average total assets for the leverage ratio | 582,086 | 571,296 | 565,681 | 570,214 | 566,509 | 557,770 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 10.89% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.90% | 15.90% | 17.15% | 10.98% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 16.18% | 16.18% | 17.43% | 10.97% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 15.85% | 15.85% | 17.10% | 10.77% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 16.32% | 16.32% | 17.57% | 10.75% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 15.70% | 15.70% | 16.94% | 10.83% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 15.87% | 15.87% | 17.11% | 10.71% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 15.75% | 15.75% | 16.99% | 10.37% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 15.13% | 15.13% | 16.35% | 10.12% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 14.94% | 14.94% | 16.14% | 10.18% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 14.81% | 14.81% | 16.01% | 10.30% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 14.92% | 14.92% | 16.10% | 10.55% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First National Bank & Trust Company of McAlester (this bank) | CBLR | NA | NA | NA | 10.89% | |
| Sunstate Bank | $580.4M | Risk-based | 14.01% | 14.01% | 14.67% | 11.45% |
| Bay State Savings Bank | $580.3M | Risk-based | 11.24% | 11.24% | 12.26% | 8.82% |
| Salem Co-Operative Bank | $580.0M | Risk-based | 18.04% | 18.04% | 18.90% | 11.89% |
| Citizens State Bank | $581.0M | CBLR | NA | NA | NA | 8.58% |
| Merit Bank | $581.6M | Risk-based | 12.23% | 12.23% | 13.16% | 9.70% |
| FNBC Bank and Trust | $581.6M | Risk-based | 17.63% | 17.63% | 18.81% | 10.02% |
| The Cottonport Bank | $581.6M | CBLR | NA | NA | NA | 13.94% |
| The Peoples Bank | $581.8M | Risk-based | 20.58% | 20.58% | 21.72% | 10.25% |
| Southtrust Bank, N.A. | $578.8M | Risk-based | 21.40% | 21.40% | 22.65% | 12.50% |
| Bank of the Valley | $581.9M | Risk-based | 11.56% | 11.56% | 12.81% | 9.87% |
| Peer 25th percentile | 12.06% | 12.06% | 13.07% | 9.75% | ||
| Peer median | 15.82% | 15.82% | 16.74% | 10.14% | ||
| Peer 75th percentile | 18.68% | 18.68% | 19.61% | 11.78% | ||
| This bank's percentile | NA | NA | NA | 60 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/830355/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.