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McCurtain County National Bank

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Broken Bow, OK $100M to $1B in assets Est. April 23, 1982 FDIC #23798 RSSD #423159 Routing #103102737 OCC

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
Asset rank in state
68th of 169 in Oklahoma
Assets
$384.2M
Deposits
$323.6M
Loans
$144.4M
Equity
$60.2M

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

Profitability

Q2 annualized
Return on Assets1.25%YTD 1.16%
Return on Equity8.18%YTD 7.51%
Net Interest Margin3.43%YTD 3.50%

Balance Sheet

Total liabilities$324.0M
Cash & balances due$128.6M
Securities, available-for-sale$97.4M
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$1.2M
Net interest income YTD$6.4M
Total interest income YTD$9.8M
Total interest expense YTD$3.5M
Provision for credit losses YTD$160K

Operating & Funding

Total noninterest income YTD$829K
Total noninterest expense YTD$4.2M

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

Total assets and total liabilities

$384.2M total assets against $365.6M; $324.0M total liabilities against $309.8M.

Loans and leases against deposits

$140.6M net loans and leases against $151.0M; $323.6M total deposits against $309.4M.

Securities and cash

$97.4M securities against $95.5M; $128.6M cash and balances due against $102.5M.

Interest income against interest expense

$4.9M total interest income against $5.1M; $1.7M total interest expense against $1.8M.

Net interest income

$3.2M net interest income against $3.3M.

Noninterest income against noninterest expense

$408K total noninterest income against $377K; $1.9M total noninterest expense against $1.8M.

Provision for credit losses

$80K provision for credit losses against $0.

Net income

$1.2M net income against $1.4M.

Return on assets and net interest margin

1.25% return on assets against 1.50%; 3.43% net interest margin against 3.71%.

CET1 and Tier 1 leverage ratios

15.65% tier 1 leverage ratio against 15.21%.

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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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McCurtain 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.

How ranks are counted

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.

1–5 of 5
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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McCurtain County National Bank: regulatory capital profile · BankRegReports

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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