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First National Bank & Trust Company Of Mcalester
Mcalester, OK · FDIC Certificate #4145 · Chartered 12/1
Total assets
$580.35M
Total deposits
$504.17M
Total equity
$63.52M
Net loans
$345.19M
Branches (offices)
6
Net income (YTD)
$5.57M
Rank: #1,599 of 4,213 U.S. banks by assets · #47 of 168 in Oklahoma. Assets changed 2.4% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.94% |
| Return on equity | 17.56% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 10.95% |
| Tier 1 leverage ratio | 10.89% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 1.34% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 68.5% |
| Real estate loans (share of loans) | 89.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $308.06M | 89.2% | |
| Commercial & industrial | $18.37M | 5.3% | |
| Consumer / individual | $11.93M | 3.5% | |
| Construction & development | $16.81M | 4.9% | |
| Agricultural | $10.13M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $571.83M | $516.26M | $3.11M | $49.51M |
| Jun 2023 | $554.32M | $497.82M | $3.37M | $49.74M |
| Jun 2024 | $573.67M | $491.95M | $2.98M | $54.57M |
| Jun 2025 | $566.76M | $498.09M | $4.08M | $60.91M |
| Jun 2026 | $580.35M | $504.17M | $5.57M | $63.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $504.17M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $504.17M.
Similar-sized banks
Sunstate Bank ($580.36M) · Bay State Savings Bank ($580.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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