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The Bank, National Association
Mcalester, OK · FDIC Certificate #4146 · Chartered 05/1
Total assets
$488.05M
Total deposits
$442.75M
Total equity
$43.41M
Net loans
$326.89M
Branches (offices)
6
Net income (YTD)
$3.94M
Rank: #1,817 of 4,213 U.S. banks by assets · #53 of 168 in Oklahoma. Assets changed 7.9% and deposits 7.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 18.82% |
| Net interest margin (YTD) | 4.34% |
| Equity to assets | 8.89% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 26.8% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 73.8% |
| Real estate loans (share of loans) | 92.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $302.57M | 92.6% | |
| Commercial & industrial | $14.33M | 4.4% | |
| Consumer / individual | $9.31M | 2.8% | |
| Construction & development | $41.63M | 12.7% | |
| Agricultural | $3.76M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $473.82M | $451.21M | $1.92M | $21.93M |
| Jun 2023 | $453.07M | $424.25M | $2.68M | $27.41M |
| Jun 2024 | $444.89M | $406.84M | $2.84M | $36.46M |
| Jun 2025 | $452.32M | $412.81M | $3.44M | $37.86M |
| Jun 2026 | $488.05M | $442.75M | $3.94M | $43.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $442.75M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $442.75M.
Similar-sized banks
Citizens State Bank ($488.20M) · Springfield State Bank ($486.93M)
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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