The Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Bank, N.A. is a locally rooted FDIC-insured community bank based in Mcalester, OK. On its most recent Q2 2026 call report, The Bank reported $488M in total assets against $443M in deposits. Profitability is strong, 1.91% ROA, paired with 21.70% ROE and a 4.30% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.85% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 1.25% NPL ratio. 6 branches make up the footprint.
As of June 30, 2026, The Bank, N.A. reported a Tier 1 leverage ratio of 10.85%, a return on assets of 1.91%, a nonperforming-loan ratio of 1.25%, a Texas ratio of 9.01%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 201 E Carl Albert Pkwy, McAlester, OK 74501
- County
- Pittsburg
- Metro Area
- McAlester, OK
- 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
- May 17, 1927
- Former names
- The Bank, National Association (1986)
- Offices
- 6 domestic
- Employees (FTE)
- 86
- Domestic deposits
- $442.8M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $483.3M
- Average total loans
- $315.3M
- Average interest-bearing deposits
- $427.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4146
- Fed RSSD
- 829050
- Website
- www.thebankna.bank →
- Parent Holding Company
- NBM CORPORATION (RSSD 1056684)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank, N.A., 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 1.91% | 1.25% | 9.01% | 4.30% |
| Q1 2026 | 10.68% | 1.37% | 1.51% | 10.08% | 4.03% |
| Q4 2025 | 10.93% | 0.72% | 0.80% | 5.39% | 4.07% |
| Q3 2025 | 11.49% | 1.73% | 0.66% | 6.16% | 3.96% |
| Q2 2025 | 11.09% | 1.80% | 0.66% | 4.79% | 3.80% |
| Q1 2025 | 10.79% | 1.24% | 0.70% | 4.73% | 3.54% |
| Q4 2024 | 10.90% | 0.75% | 0.89% | 5.83% | 3.67% |
| Q3 2024 | 11.22% | 1.51% | 0.79% | 6.00% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank, National Association | Mcalester , OK | 74501 | $355.7M |
| West 6th Avenue Branch | Stillwater , OK | 74074 | $81.9M |
| Broken Arrow Branch | Broken Arrow , OK | 74012 | $5.1M |
| Shops of Mcalester Branch | Mcalester , OK | 74501 | $0 |
| Boomer Drive-Thru Branch | Stillwater , OK | 74075 | $0 |
| Walmart Branch | Mcalester , OK | 74501 | $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 |
|---|---|---|---|
| August 19, 1988 | Structure Change | Acquired Citizens State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 18, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 30, 1987 | Structure Change | Acquired Peoples State Bank & Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 29, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 24, 1986 | Structure Change | Acquired Stillwater Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for The Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- January 28, 2011, OCC: Civil Money Penalty (CMP): The Bank National Association
- Period: Most recent institution action January 28, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OK, rank 56 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank, N.A.
What are The Bank, N.A.'s total assets?
As of the Q2 2026 filing, The Bank, N.A. reported total assets of $488.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank, N.A. headquartered?
The Bank, N.A. is headquartered in McAlester, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank, N.A. founded?
The Bank, N.A. was established in 1927, per the FDIC institution directory.
Is The Bank, N.A. FDIC-insured?
Yes. The Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4146). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank, N.A.?
The Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Bank, N.A. operate?
The Bank, N.A. operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank, N.A.'s Texas Ratio?
The Bank, N.A.'s Texas Ratio is 9.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank, N.A. previously called?
The charter now named The Bank, N.A. has also operated as The Bank, National Association (1986), per FDIC structure-change records.
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