Total Assets
$564M
Total balance-sheet footings
FDIC Cert #4145 · Mcalester, Oklahoma · Est. 1896
First National Bank & Trust Company of McAlester - FDIC Bank Health Profile
A community-scale look at First National Bank & Trust Company of McAlester's own numbers, pulled straight from its quarterly FDIC Call Report.
- $564M
- Total assets
- A
- Health grade · Excellent
- 1.58%
- Return on assets
- 16.2%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank & Trust Company of McAlester earns a PlainBankData health grade of A (93/100), with well-capitalized at 16.18% Tier 1, profitable at 1.58% ROA, efficient (57% cost ratio).
- #1,645
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 16.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 77th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First National Bank & Trust Company of McAlester's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank & Trust Company of McAlester's composite health score
Tier 1 Capital Ratio (16.18%) 40/40
Return on Assets (ROA) (1.58%) 25/25
Texas Ratio (7.94%) 16/20
Efficiency Ratio (57.44%) 12/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$493M
Customer-funded liabilities
Net Loans
$345M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank & Trust Company of McAlester ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank & Trust Company of McAlester's score of 93/100 falls in the highlighted band.
First National Bank & Trust Company of McAlester's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank & Trust Company of McAlester's $564M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.18%
Texas Ratio
7.94%
Equity Capital
$64M
Profitability metrics
Return on Assets (ROA)
77th percentile nationally
1.58%
Return on Equity (ROE)
14.63%
Efficiency Ratio
57.44%
What the numbers say about First National Bank & Trust Company of McAlester
First National Bank & Trust Company of McAlester is an FDIC-insured institution (Certificate #4145) headquartered in Mcalester, Oklahoma, established in 1896. It holds $564M in total assets - 1,645th of 4,313 FDIC-insured banks, $493M in customer deposits, and $345M in net loans. Its capital position: a Tier 1 ratio of 16.18%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.94% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank & Trust Company of McAlester sits 48th of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$28M
Interest Income
$3M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank & Trust Company of McAlester reports a Texas Ratio of 7.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank & Trust Company of McAlester (FDIC Cert #4145) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is First National Bank & Trust Company of McAlester's health grade?▼
First National Bank & Trust Company of McAlester receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank & Trust Company of McAlester?▼
First National Bank & Trust Company of McAlester holds $564M in total assets and $493M in deposits, ranking 1,645th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mcalester, Oklahoma.
Is my money safe at First National Bank & Trust Company of McAlester?▼
Yes, deposits at First National Bank & Trust Company of McAlester (Certificate #4145) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank & Trust Company of McAlester's Tier 1 Capital Ratio?▼
First National Bank & Trust Company of McAlester has a Tier 1 Capital Ratio of 16.18%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank & Trust Company of McAlester?▼
First National Bank & Trust Company of McAlester has a Texas Ratio of 7.94%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank & Trust Company of McAlester?▼
First National Bank & Trust Company of McAlester has an Efficiency Ratio of 57.44%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank & Trust Company of McAlester's profile as a depositor or analyst.
- First National Bank & Trust Company of McAlester's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank & Trust Company of McAlester against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.