First National Bank & Trust Company of McAlester: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2.96 percentage points in Q2 2026, from 84.59% to 87.54%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First National Bank & Trust Company of McAlester is 38th of 169 on return on assets, 1.98% as of Q2 2026, above the middle of the field. First National Bank & Trust Company of McAlester's return on assets of 1.98% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.89% |
| Equity capital to assets | 10.95% |
| Tangible equity to tangible assets | 10.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.56% |
| Non-performing assets ratio | 0.94% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.29% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 87.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.98% |
| Return on equity | 18.26% |
| Net interest margin | 4.18% |
| Efficiency ratio | 53.93% |
| Yield on earning assets | 5.58% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.41% |
| Core deposits to total deposits | 87.49% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.87% |
| Securities to assets | 31.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.92% | 14.92% | 16.10% | 10.55% | 1.35% |
| Q4 2023 | 14.81% | 14.81% | 16.01% | 10.30% | 0.78% |
| Q1 2024 | 14.94% | 14.94% | 16.14% | 10.18% | 1.03% |
| Q2 2024 | 15.13% | 15.13% | 16.35% | 10.12% | 1.02% |
| Q3 2024 | 15.75% | 15.75% | 16.99% | 10.37% | 1.25% |
| Q4 2024 | 15.87% | 15.87% | 17.11% | 10.71% | 1.14% |
| Q1 2025 | 15.70% | 15.70% | 16.94% | 10.83% | 1.41% |
| Q2 2025 | 16.32% | 16.32% | 17.57% | 10.75% | 1.48% |
| Q3 2025 | 15.85% | 15.85% | 17.10% | 10.77% | 1.56% |
| Q4 2025 | 16.18% | 16.18% | 17.43% | 10.97% | 1.80% |
| Q1 2026 | 15.90% | 15.90% | 17.15% | 10.98% | 1.87% |
| Q2 2026 | — | — | — | 10.89% | 1.98% |
First National Bank & Trust Company of McAlester vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust Company of McAlester, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank & Trust Company of McAlester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4145) · FFIEC NIC profile (RSSD 830355)