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McClain Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4187

Purcell, OK

4 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 +9.8% year over year ($265.8M on the books).
  • Delinquency rate 0.28%.
  • Return on assets 1.70%.
  • Efficiency ratio 56.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.26% 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) →

McClain Bank has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 44.2% in tier
  • + Deposit Franchise: Top 47.1% in tier
  • + ROA 0.38% above tier average
  • + Efficiency Ratio 8.13% below tier average
  • + Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 69.1% in tier
Get updates when McClain 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 ? $294.0M
+7.9% YoY +0.2% QoQ
-$92.6M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $200.0M
+11.8% YoY +4.7% QoQ
-$58.3M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $265.8M
+9.8% YoY +1.4% QoQ
-$61.0M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 1.70%
-13.2% YoY +0.5% QoQ
+0.38% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 5.19%
-0.1% YoY +1.1% QoQ
+1.21% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 5.7% in tier
Efficiency Ratio ? 56.35%
+2.8% YoY +0.6% QoQ
-8.13% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.28%
-72.0% YoY -25.0% QoQ
-0.64% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 75.26%
+1.8% YoY +3.3% QoQ
-2.70% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 30.94%
-4.4% YoY -0.7% QoQ
+8.91% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.30%
-54.8% YoY +16.2% QoQ
-0.37% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 9.52%
-10.4% YoY -4.1% QoQ
-6.39% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 5.0% in tier
Non-Interest Income / Assets ? 0.45%
-5.4% YoY +112.3% QoQ
-0.12% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 11.4% in tier

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 30.9%
-1.4pp YoY
-0.2pp QoQ
 +8.8pp 22.1% 23.9% 22.2% 84%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 9.7% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 6.4%
-1.2pp YoY
+0.1pp QoQ
 -5.2pp 11.6% 15.7% 12.5% 28%
CRE 42.8%
+7.5pp YoY
-3.5pp QoQ
 +3.3pp 39.5% 42.0% 41.4% 58%
1-4 Family 43.9%
+4.1pp YoY
+2.8pp QoQ
 +11.3pp 32.6% 24.0% 31.3% 76%
Consumer 1.6%
-0.3pp YoY
-0.1pp QoQ
 -2.6pp 4.1% 5.6% 5.0% 40%

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 9.5%
-1.1pp YoY
-0.4pp QoQ
 -2.7pp 12.2% 11.7% 12.6% 22%
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 49
+2 (+4.3%) YoY
+1 (+2.1%) QoQ
 -10 58 150 482 52%
Assets per Employee ($) $6.0M
+3.5% YoY
-1.9% QoQ
 -$1.5M $7.5M $6.5M $8.8M 34%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

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 0.3%
-0.3pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.5% 1.0% 37%
Allowance Coverage 4.78x
+291.0% YoY
+38.4% QoQ
 -19.38x 24.15x 61.99x 20.23x 69%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 16.9%
-2.2pp YoY
+0.6pp QoQ
 +4.7pp 12.2% 11.9% 11.6% 77%
Cost of Funds (YTD) 1.4%
+0.1pp YoY
-0.1pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 29%
Net Income ($, YTD) $2.5M
-9.5% YoY
— QoQ
 -$92K $2.6M $8.7M $40.4M 61%

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 (2)

Revenue Diversifier

growth
#293 of 661 • Top 44.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.45%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.70%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#132 of 278 • Top 47.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.94%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.19%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Margin Compression

decline
#213 of 307 • Bottom 69.1% 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: 1.70%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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 (4 metrics)

151
Net Interest Margin
profitability
Value: 5.19%
Peer Median: 3.99%
#151 of 2643 Top 5.7% in $100M-$1B
303
Non-Interest Income / Assets
revenue_mix
Value: 0.45%
Peer Median: 0.57%
#303 of 2643 Top 11.4% in $100M-$1B
420
Non-Interest-Bearing Deposit Share
funding
Value: 30.94%
Peer Median: 22.03%
#420 of 2643 Top 15.9% in $100M-$1B
646
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.32%
#646 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (1 metrics)

2513
Tier 1 Capital Ratio
capital
Value: 9.52%
Peer Median: 15.91%
#2513 of 2643 Bottom 5.0% in $100M-$1B
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