Bank Safety Analysis
Is First National Bank & Trust Company of McAlester Safe?
First National Bank & Trust Company of McAlester meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The biggest quarter-over-quarter change on this page was a small one: return on assets edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 1.98%. First National Bank & Trust Company of McAlester ranks 84th of 169 Oklahoma banks on leverage ratio, in the upper half at 10.89% (Q2 2026). At 10.89%, First National Bank & Trust Company of McAlester's leverage ratio is close to the 10.92% median for banks in the $100M-1B asset tier (Q2 2026). From Q3 2023 to Q2 2026, First National Bank & Trust Company of McAlester's CET1 ratio ranged between 14.81% (Q4 2023) and 16.32% (Q2 2025) and its Texas ratio ranged between 8.29% (Q2 2026) and 16.46% (Q3 2023). Compared with Q2 2025, First National Bank & Trust Company of McAlester's noncurrent loans to total loans from 1.90% to 1.56%, Texas ratio from 10.43% to 8.29%, return on assets from 1.48% to 1.98% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
Leverage ratio of 10.89% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 10.89% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.56% are elevated; merits closer attention.
Texas Ratio of 8.3% is well below the 100% historical failure threshold.
Efficiency ratio of 53.9% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 8.29% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.56% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 69.41% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 249.65% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 11 quarters
| Quarter | CET1 (%) |
|---|---|
| Q1 2026 | 15.90% |
| Q4 2025 | 16.18% |
| Q3 2025 | 15.85% |
| Q2 2025 | 16.32% |
| Q1 2025 | 15.70% |
| Q4 2024 | 15.87% |
| Q3 2024 | 15.75% |
| Q2 2024 | 15.13% |
| Q1 2024 | 14.94% |
| Q4 2023 | 14.81% |
| Q3 2023 | 14.92% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 8.29% |
| Q1 2026 | 8.60% |
| Q4 2025 | 9.47% |
| Q3 2025 | 10.51% |
| Q2 2025 | 10.43% |
| Q1 2025 | 10.97% |
| Q4 2024 | 9.21% |
| Q3 2024 | 9.31% |
| Q2 2024 | 8.43% |
| Q1 2024 | 10.12% |
| Q4 2023 | 14.35% |
| Q3 2023 | 16.46% |
First National Bank & Trust Company of McAlester by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 1.56% | 8.29% | 1.98% |
| Mar 31, 2026 | 15.90% | 1.60% | 8.60% | 1.87% |
| Dec 31, 2025 | 16.18% | 1.64% | 9.47% | 1.80% |
| Sep 30, 2025 | 15.85% | 1.92% | 10.51% | 1.56% |
| Jun 30, 2025 | 16.32% | 1.90% | 10.43% | 1.48% |
| Mar 31, 2025 | 15.70% | 1.86% | 10.97% | 1.41% |
| Dec 31, 2024 | 15.87% | 1.53% | 9.21% | 1.14% |
| Sep 30, 2024 | 15.75% | 1.58% | 9.31% | 1.25% |
| Jun 30, 2024 | 15.13% | 1.26% | 8.43% | 1.02% |
| Mar 31, 2024 | 14.94% | 1.05% | 10.12% | 1.03% |
| Dec 31, 2023 | 14.81% | 1.31% | 14.35% | 0.78% |
| Sep 30, 2023 | 14.92% | 1.63% | 16.46% | 1.35% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First National Bank & Trust Company of McAlester FDIC insured?
Yes. First National Bank & Trust Company of McAlester is an FDIC-insured commercial bank (FDIC Certificate #4145). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is First National Bank & Trust Company of McAlester well capitalized?
Yes. First National Bank & Trust Company of McAlester reports a Community Bank Leverage Ratio of 10.89%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is First National Bank & Trust Company of McAlester's nonperforming loan ratio?
As of the most recent call report, First National Bank & Trust Company of McAlester's nonperforming loan ratio is 1.56%. Nonperforming loans at 1.56% are elevated; merits closer attention.
What is First National Bank & Trust Company of McAlester's Texas Ratio?
First National Bank & Trust Company of McAlester's Texas Ratio is 8.29%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.