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McCurtain County National Bank

$100M-$1B Specialty: Other OK FDIC cert 23798

Broken Bow, OK

5 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +4.6% year over year ($323.6M on the books).
  • Delinquency rate 1.68%.
  • Return on assets 1.16%.
  • Efficiency ratio 57.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 43.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

McCurtain County National Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 6.48% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 17.4% in tier
  • - Margin Compression: Bottom 38.1% in tier
  • - Net Interest Margin 0.41% below tier average
  • - Delinquency Rate 0.76% above tier average
Get updates when McCurtain County National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $384.2M
+5.1% YoY +0.2% QoQ
-$2.4M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $140.6M
-6.9% YoY -3.1% QoQ
-$117.8M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $323.6M
+4.6% YoY -0.0% QoQ
-$3.2M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 1.16%
-15.8% YoY +10.5% QoQ
-0.16% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 3.57%
-4.0% YoY -1.5% QoQ
-0.41% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 57.99%
+9.9% YoY -9.2% QoQ
-6.48% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 1.68%
+208.7% YoY +0.2% QoQ
+0.76% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 43.44%
-11.0% YoY -3.1% QoQ
-34.51% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Top 5.4% in tier
Non-Interest-Bearing Deposit Share ? 28.49%
-6.8% YoY +2.3% QoQ
+6.46% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.61%
+173.4% YoY -3.1% QoQ
-0.05% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
34%
Tier 1 Capital Ratio ? 15.65%
+2.9% YoY -0.1% QoQ
-0.26% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.22%
+1.4% YoY +96.5% QoQ
-0.35% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 28.5%
-2.1pp YoY
+0.6pp QoQ
 +6.3pp 22.1% 23.9% 22.2% 77%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 6.5%
-0.1pp YoY
0.0pp QoQ
 -5.1pp 11.6% 15.7% 12.5% 29%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 55.6%
-1.1pp YoY
-0.5pp QoQ
 +23.0pp 32.6% 24.0% 31.3% 87%
Consumer 14.4%
+0.9pp YoY
-0.1pp QoQ
 +10.3pp 4.1% 5.6% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 15.7%
+0.4pp YoY
0.0pp QoQ
 +3.5pp 12.2% 11.7% 12.6% 89%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 69
+4 (+6.2%) YoY
-4 (-5.5%) QoQ
 +10 58 150 482 70%
Assets per Employee ($) $5.6M
-1.0% YoY
+6.0% QoQ
 -$1.9M $7.5M $6.5M $8.8M 24%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 1.7%
+1.1pp YoY
0.0pp QoQ
 +0.7pp 0.9% 1.5% 1.0% 84%
Allowance Coverage 1.62x
-64.4% YoY
+4.5% QoQ
 -22.53x 24.15x 61.99x 20.23x 42%
Net Charge-off Rate (YTD) 0.2%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.1% 0.2% 0.2% 85%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 7.5%
-2.0pp YoY
+0.7pp QoQ
 -4.7pp 12.2% 11.9% 11.6% 23%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 66%
Net Income ($, YTD) $2.2M
-13.5% YoY
— QoQ
 -$326K $2.6M $8.7M $40.4M 57%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk
#25 of 138 • Bottom 17.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 57.99%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Margin Compression

decline
#118 of 307 • Bottom 38.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.16%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

143
Loan-to-Deposit Ratio
liquidity
Value: 43.44%
Peer Median: 77.95%
#143 of 2643 Top 5.4% in $100M-$1B
600
Non-Interest-Bearing Deposit Share
funding
Value: 28.49%
Peer Median: 22.03%
#600 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2200
Delinquency Rate
credit_quality
Value: 1.68%
Peer Median: 0.92%
#2200 of 2633 Bottom 16.5% in $100M-$1B
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