BlastPoint's Banking Scorecard
First National Bank & Trust Company of McAlester
Community
Specialty: Commercial
OK
FDIC cert 4145
Mcalester, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
First National Bank & Trust Company of McAlester has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 36% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$564.0M
+2.6% YoY
-0.1% QoQ
|
-$827.4M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$345.3M
+0.9% YoY
+2.1% QoQ
|
-$630.2M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$492.5M
+2.6% YoY
-0.3% QoQ
|
-$672.1M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.58%
+40.0% YoY
+5.3% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.85%
+18.4% YoY
+3.9% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
57.44%
-14.3% YoY
-2.8% QoQ
|
-5.19% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
1.57%
+18.8% YoY
-11.2% QoQ
|
+0.95% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
70.11%
-1.6% YoY
+2.4% QoQ
|
-12.95% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.97%
+3.1% YoY
-0.8% QoQ
|
+4.93% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.96%
+16.8% YoY
-9.2% QoQ
|
+0.47% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
16.22%
+2.2% YoY
+2.3% QoQ
|
+5.98% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.53%
+5.7% YoY
+32.3% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#135 of 371 · Top 36% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (1)
Credit Risk Growth
risk
#56 of 642 · Bottom 9% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Tier 1 Capital Ratio
Current: 16.22% · Tier avg: 10.24%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.11% · Tier avg: 83.06%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.97% · Tier avg: 21.05%
65
65th pctile
Efficiency Ratio
Current: 57.44% · Tier avg: 62.63%
62
62th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
12
12th pctile
Total Deposits
Current: $492.5M · Tier avg: $1.2B
9
9th pctile
Total Assets
Current: $564.0M · Tier avg: $1.4B
8
8th pctile
Total Loans
Current: $345.3M · Tier avg: $975.5M
Top Weaknesses
8
8th pctile
Total Loans
Current: $345.3M · Tier avg: $975.5M
9
9th pctile
Total Assets
Current: $564.0M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $492.5M · Tier avg: $1.2B
14
14th pctile
Delinquency Rate
Current: 1.57% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.50%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
62
62th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
65
65th pctile
Efficiency Ratio
Current: 57.44% · Tier avg: 62.63%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 25.97% · Tier avg: 21.05%
77
77th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.11% · Tier avg: 83.06%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.22% · Tier avg: 10.24%