BlastPoint's Banking Scorecard
First National Bank & Trust Company of McAlester
Mcalester, OK
6 branches across OK
First National Bank & Trust Company of McAlester has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 36.5% in tier
- + Net Interest Margin 0.18% above tier average
- + Efficiency Ratio 9.95% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$575.6M
+2.4% YoY
+2.1% QoQ
|
+$189.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$349.3M
-0.0% YoY
+1.1% QoQ
|
+$93.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$504.9M
+1.9% YoY
+2.5% QoQ
|
+$176.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.88%
+32.8% YoY
+19.2% QoQ
|
+0.61% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.11%
+14.4% YoY
+6.8% QoQ
|
+0.18% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
55.33%
-8.5% YoY
-3.7% QoQ
|
-9.95% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
73% |
| Delinquency Rate ? |
1.38%
-18.3% YoY
-12.3% QoQ
|
+0.49% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
69.17%
-1.9% YoY
-1.3% QoQ
|
-7.46% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
26.26%
+0.5% YoY
+1.1% QoQ
|
+4.24% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.84%
-20.2% YoY
-13.1% QoQ
|
+0.20% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
15.90%
+1.3% YoY
-1.8% QoQ
|
+0.07% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.13%
-1.8% YoY
-75.7% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.