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The Bank, National Association

$100M-$1B Specialty: Commercial OK FDIC cert 4146

Mcalester, OK

6 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

The Bank, National Association 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

  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.29% above tier average
  • + Efficiency Ratio 1.85% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 13.56% below tier average
  • - Delinquency Rate 0.71% above tier average
Get updates when The Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $482.4M
+5.2% YoY +1.2% QoQ
+$96.4M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
70%
Total Loans ? $290.4M
+18.3% YoY +5.2% QoQ
+$34.7M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
66%
Total Deposits ? $439.7M
+4.5% YoY +1.0% QoQ
+$111.8M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
74%
Return on Assets ? 1.36%
+10.9% YoY +0.3% QoQ
+0.09% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
59%
Net Interest Margin ? 4.22%
+16.9% YoY +7.9% QoQ
+0.29% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
69%
Efficiency Ratio ? 63.44%
-9.1% YoY -5.9% QoQ
-1.85% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
49%
Delinquency Rate ? 1.60%
+107.4% YoY +85.1% QoQ
+0.71% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
17%
Loan-to-Deposit Ratio ? 66.04%
+13.2% YoY +4.1% QoQ
-10.60% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
73%
Non-Interest-Bearing Deposit Share ? 8.46%
-3.8% YoY -11.3% QoQ
-13.56% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
Bottom 8.0% in tier
Nonperforming Asset Ratio ? 0.96%
+133.2% YoY +92.4% QoQ
+0.32% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
20%
Tier 1 Capital Ratio ? 10.68%
-1.0% YoY -2.3% QoQ
-5.15% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.17%
-3.5% YoY -76.1% QoQ
-0.11% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
80%

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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

542
Non-Interest Income / Assets
revenue_mix
Value: 0.17%
Peer Median: 0.28%
#542 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (4 metrics)

2453
Non-Interest-Bearing Deposit Share
funding
Value: 8.46%
Peer Median: 22.02%
#2453 of 2664 Bottom 8.0% in $100M-$1B
2205
Delinquency Rate
credit_quality
Value: 1.60%
Peer Median: 0.89%
#2205 of 2654 Bottom 17.0% in $100M-$1B
2167
Tier 1 Capital Ratio
capital
Value: 10.68%
Peer Median: 15.83%
#2167 of 2664 Bottom 18.7% in $100M-$1B
2121
Nonperforming Asset Ratio
credit_quality
Value: 0.96%
Peer Median: 0.64%
#2121 of 2664 Bottom 20.4% in $100M-$1B
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