McCurtain County National Bank
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Data as of · sourced from FFIEC call reports. How we update
McCurtain County National Bank is an FDIC-insured commercial bank headquartered in Broken Bow, OK, established in 1982 (FDIC certificate 23798), and it is supervised by the OCC. At Q2 2026 it reported total assets of $384.2M, up 5.1% from Q2 2025, the 68th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23798
- Headquarters
- Broken Bow, OK
- Established
- 1982
- Total assets, Q2 2026
- $384.2M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 15.65%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 103102737
- Latest call report
- Q2 2026, FFIEC 051 · McCurtain County National Bank call report
- Holding company
- MCCURTAIN COUNTY BANCSHARES, INC.
- Asset rank in state
- 68th of 169 in Oklahoma
Problem loans are rising at McCurtain County National Bank. The Broken Bow, Oklahoma bank had $384 million in assets at June 30, 2026, up 5.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.64% of loans from 0.53% a year earlier. It shrank its loan book 6.7% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also funds 15.65% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter slipped 12% from a year earlier, to $1.2 million. Over the same year, loans shrank 6.7% and deposits grew 4.6%. Its margin is thin by comparison: it keeps 3.43 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, McCurtain County National Bank reported a return on assets of 1.25%, a nonperforming-loan ratio of 1.64% and a Texas ratio of 3.69%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, McCurtain County National Bank is the 68th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $384.2M, loans fell 3.0% and deposits were flat. 1-4 family residential loans made up 54.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 8.6%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in OK; its Idabel office books 47% of its branch deposits. Judged on its Q2 2026 call report, McCurtain County National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 20 N Park Dr, Broken Bow, OK 74728
- County
- Mccurtain
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 23, 1982
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $323.6M
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $145K
- Average total assets
- $390.0M
- Average total loans
- $146.6M
- Average interest-bearing deposits
- $232.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 23, 1982
- FDIC Cert
- 23798
- Fed RSSD
- 423159
- Website
- www.mcnbonline.com →
- Parent Holding Company
- MCCURTAIN COUNTY BANCSHARES, INC. (RSSD 2642196)
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, McCurtain County National 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, McCurtain County National Bank's total assets ran between $337.2M (Q3 2023) and $384.2M (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
$384.2M total assets against $365.6M; $324.0M total liabilities against $309.8M.
$140.6M net loans and leases against $151.0M; $323.6M total deposits against $309.4M.
$97.4M securities against $95.5M; $128.6M cash and balances due against $102.5M.
$4.9M total interest income against $5.1M; $1.7M total interest expense against $1.8M.
$3.2M net interest income against $3.3M.
$408K total noninterest income against $377K; $1.9M total noninterest expense against $1.8M.
$80K provision for credit losses against $0.
$1.2M net income against $1.4M.
1.25% return on assets against 1.50%; 3.43% net interest margin against 3.71%.
15.65% tier 1 leverage ratio against 15.21%.
Inside the full McCurtain County National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMcCurtain County National Bank rankings
Its closest position to the top of a national ranking is 904 of 3,606, for efficiency ratio; its furthest is 1,889 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q1 2026) to 1.62% (Q3 2024) and its net interest margin ran from 3.43% (Q2 2026) to 3.76% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.65% | 1.25% | 1.64% | 3.69% | 3.43% |
| Q1 2026 | 15.67% | 1.06% | 1.63% | 3.86% | 3.58% |
| Q4 2025 | 15.81% | 1.17% | 1.60% | 3.86% | 3.76% |
| Q3 2025 | 15.75% | 1.47% | 1.25% | 3.12% | 3.69% |
| Q2 2025 | 15.21% | 1.50% | 0.53% | 1.38% | 3.71% |
| Q1 2025 | 14.26% | 1.23% | 0.60% | 1.61% | 3.54% |
| Q4 2024 | 15.19% | 1.16% | 0.48% | 1.35% | 3.75% |
| Q3 2024 | 15.04% | 1.62% | 0.38% | 1.12% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Idabel Branch | Idabel , OK | 74745 | $153.5M |
| McCurtain County National Bank (main office) | Broken Bow , OK | 74728 | $122.8M |
| Valliant Branch | Valliant , OK | 74764 | $28.2M |
| Antlers Branch | Antlers , OK | 74523 | $12.4M |
| Hochatown Branch | Broken Bow , OK | 74728 | $6.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 25, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 73 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 McCurtain County National Bank
What are McCurtain County National Bank's total assets?
As of the Q2 2026 filing, McCurtain County National Bank reported total assets of $384.2 million in its FFIEC call report.
Where is McCurtain County National Bank headquartered?
It is headquartered in Broken Bow, OK, United States.
When was McCurtain County National Bank founded?
It was established in 1982, per the FDIC institution directory.
Is McCurtain County National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23798). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates McCurtain County National Bank?
McCurtain County National Bank's primary federal regulator is the OCC.
How many branches does McCurtain County National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is McCurtain County National Bank's Texas Ratio?
Its Texas Ratio is 3.69% 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.
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