McClain Bank
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Data as of · sourced from FFIEC call reports. How we update
McClain Bank is an FDIC-insured commercial bank headquartered in Purcell, OK, established in 1922 (FDIC certificate 4187), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $294.0M, up 7.9% from Q2 2025, the 84th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4187
- Headquarters
- Purcell, OK
- Established
- 1922
- Total assets, Q2 2026
- $294.0M
- Assets vs Q2 2025
- +7.9%
- Tier 1 leverage ratio, Q2 2026
- 9.52%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103111618
- Latest call report
- Q2 2026, FFIEC 051 · McClain Bank call report
- Holding company
- MCCLAIN COUNTY BANCORPORATION, INC.
- Asset rank in state
- 84th of 169 in Oklahoma
McClain Bank earns an unusually wide margin on its lending. Its balance sheet stood at $294 million at June 30, 2026, up 7.9% from a year earlier; it is based in Purcell, Oklahoma. It keeps 5.18 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 9.8% over the year, 2.4 times the median of 4.0% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.28% of loans from 0.99%. Net income for the quarter slipped 14% from a year earlier, to $1.2 million. Where it has less room is capital: it funds 9.52% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, McClain Bank reported a return on assets of 1.71%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 2.88%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, McClain Bank is the 84th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $294.0M, loans rose 4.8% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.3% of total loans, ahead of construction and land development loans at 22.7%. The FDIC Summary of Deposits lists 4 offices for it, in Purcell, OK, Norman, OK and Noble, OK; its Purcell 2 offices book 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, McClain Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 131 W Main St, Purcell, OK 73080
- County
- Mcclain
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 8, 1922
- Former names
- McClain Bank National Associationl (2001-2004); The McClain County National Bank of Purcell (1935-2001)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $265.8M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $291.4M
- Average total loans
- $200.7M
- Average interest-bearing deposits
- $178.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4187
- Fed RSSD
- 648251
- Website
- www.mcclainbank.com →
- Parent Holding Company
- MCCLAIN COUNTY BANCORPORATION, INC. (RSSD 1060485)
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, McClain Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, McClain Bank's total assets ran between $268.6M (Q2 2024) and $294.0M (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
$294.0M total assets against $272.4M; $266.4M total liabilities against $242.6M.
$200.0M net loans and leases against $178.9M; $265.8M total deposits against $242.0M.
$36.9M securities against $28.0M; $41.7M cash and balances due against $50.9M.
$4.5M total interest income against $4.3M; $905K total interest expense against $843K.
$3.6M net interest income against $3.4M.
$696K total noninterest income against $678K; $2.4M total noninterest expense against $2.2M.
$210K provision for credit losses against $0.
$1.2M net income against $1.5M.
1.71% return on assets against 2.08%; 5.18% net interest margin against 5.17%.
9.52% tier 1 leverage ratio against 10.62%.
Inside the full McClain Bank 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.
McClain Bank rankings
Its closest position to the top of a national ranking is 886 of 3,611, for ROA; its furthest is 2,492 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q4 2024) to 2.08% (Q2 2025) and its net interest margin ran from 4.77% (Q1 2026) to 5.25% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.52% | 1.71% | 0.28% | 2.88% | 5.18% |
| Q1 2026 | 9.93% | 1.59% | 0.37% | 2.28% | 4.77% |
| Q4 2025 | 10.44% | 1.44% | 0.39% | 2.51% | 5.25% |
| Q3 2025 | 10.34% | 1.92% | 0.87% | 5.23% | 5.14% |
| Q2 2025 | 10.62% | 2.08% | 0.99% | 5.59% | 5.17% |
| Q1 2025 | 10.10% | 1.80% | 0.62% | 3.59% | 4.96% |
| Q4 2024 | 9.95% | 1.06% | 0.62% | 3.75% | 5.13% |
| Q3 2024 | 10.54% | 1.89% | 0.59% | 3.50% | 5.01% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| McClain Bank (main office) | Purcell , OK | 73080 | $194.5M |
| Norman Branch | Norman , OK | 73072 | $39.1M |
| Noble Branch | Noble , OK | 73068 | $32.2M |
| Third Street Branch | Purcell , OK | 73080 | $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 |
|---|---|---|---|
| December 14, 1990 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 13, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 27, 1990 | Structure Change | Acquired First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 26, 1990 | 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
- 0.2% of deposits in OK, rank 90 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 186 applications, 144 loans originated, $31.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $41K approved, $41K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 McClain Bank
What are McClain Bank's total assets?
As of the Q2 2026 filing, McClain Bank reported total assets of $294.0 million in its FFIEC call report.
Where is McClain Bank headquartered?
It is headquartered in Purcell, OK, United States.
When was McClain Bank founded?
It was established in 1922, per the FDIC institution directory.
Is McClain Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4187). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates McClain Bank?
McClain Bank's primary federal regulator is the FDIC.
How many branches does McClain Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is McClain Bank's Texas Ratio?
Its Texas Ratio is 2.88% 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.
What was McClain Bank previously called?
The charter now named McClain Bank has also operated as McClain Bank National Associationl (2001-2004), The McClain County National Bank of Purcell (1935-2001), per FDIC structure-change records.
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