BlastPoint's Banking Scorecard

First National Bank & Trust Company of McAlester

$100M-$1B Specialty: Commercial OK FDIC cert 4145

Mcalester, OK

6 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 +1.2% year over year ($504.2M on the books).
Delinquency rate 1.36%.
Return on assets 1.94%.
Efficiency ratio 54.70% vs a 64.48% peer average.
Loan-to-deposit ratio 68.47% 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) →

First National Bank & Trust Company of McAlester has 3 strengths but faces 2 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

+ Profitability Leader: Top 26.2% in tier
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 9.78% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 41.3% in tier
- Delinquency Rate 0.44% above tier average

Get updates when First National Bank & Trust Company of McAlester releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$580.4M +2.4% YoY +0.8% QoQ	+$193.8M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$345.2M +2.4% YoY -1.2% QoQ	+$86.8M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$504.2M +1.2% YoY -0.1% QoQ	+$177.4M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	1.94% +33.2% YoY +3.2% QoQ	+0.62%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 14.5% in tier
Net Interest Margin ?	4.16% +14.5% YoY +1.2% QoQ	+0.17%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	54.70% -8.6% YoY -1.1% QoQ	-9.78%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	1.36% -20.6% YoY -1.9% QoQ	+0.44%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	68.47% +1.1% YoY -1.0% QoQ	-9.49%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	25.77% +0.0% YoY -1.9% QoQ	+3.74%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	69%
Nonperforming Asset Ratio ?	0.81% -20.6% YoY -3.8% QoQ	+0.14%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	10.89% -33.3% YoY -31.5% QoQ	-5.02%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.27% +1.8% YoY +109.3% QoQ	-0.30%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	67%

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	25.8% 0.0pp YoY -0.5pp QoQ	+3.6pp	22.1%	23.9%	22.2%	68%
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	5.3% -1.2pp YoY -0.2pp QoQ	-6.2pp	11.6%	15.7%	12.5%	22%
CRE	62.5% +0.1pp YoY -0.9pp QoQ	+22.9pp	39.5%	42.0%	41.4%	87%
1-4 Family	20.4% +1.7pp YoY +0.7pp QoQ	-12.2pp	32.6%	24.0%	31.3%	31%
Consumer	3.5% -0.6pp YoY -0.1pp QoQ	-0.7pp	4.1%	5.6%	5.0%	65%

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	10.9% +0.1pp YoY -0.1pp QoQ	-1.3pp	12.2%	11.7%	12.6%	48%
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	80 +1 (+1.3%) YoY +1 (+1.3%) QoQ	+21	58	150	482	77%
Assets per Employee ($)	$7.3M +1.1% YoY -0.4% QoQ	-$264K	$7.5M	$6.5M	$8.8M	56%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.9%	0.4%	16%
Nonaccrual	1.3% -0.3pp YoY 0.0pp QoQ	+0.4pp	0.9%	1.5%	1.0%	79%
Allowance Coverage	1.02x +23.6% YoY +3.1% QoQ	-23.13x	24.15x	61.99x	20.23x	27%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	17.6% +3.7pp YoY +0.6pp QoQ	+5.4pp	12.2%	11.9%	11.6%	80%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	30%
Net Income ($, YTD)	$5.6M +36.5% YoY — QoQ	+$3.0M	$2.6M	$8.7M	$40.4M	90%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Profitability Leader

growth

#174 of 661 • Top 26.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.94%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk

#274 of 661 • Bottom 41.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.89%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

383

Return on Assets

profitability

Value: 1.94%

Peer Median: 1.32%

#383 of 2643 Top 14.5% in $100M-$1B

523

Total Deposits

size

Value: $504.17M

Peer Median: $326.73M

#523 of 2643 Top 19.8% in $100M-$1B

558

Total Assets

size

Value: $580.35M

Peer Median: $386.57M

#558 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (2 metrics)

2093

Delinquency Rate

credit_quality

Value: 1.36%

Peer Median: 0.92%

#2093 of 2633 Bottom 20.5% in $100M-$1B

2065

Tier 1 Capital Ratio

capital

Value: 10.89%

Peer Median: 15.91%

#2065 of 2643 Bottom 21.9% in $100M-$1B