First National Bank & Trust Company of McAlester: how it compares with its peers
Against 64 OK banks with half to twice its assets, First National Bank & Trust Company of McAlester's strongest measure in Q2 2026 is return on assets (1.94% vs. a 1.46% peer median). Its weakest relative measure is net interest margin (4.16% vs. 4.17%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 1.46% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.16% | 4.17% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.70% | 61.11% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.7M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.47% | 79.25% | Context |
What it means for lending operations
Its efficiency ratio of 54.70% is better than the 61.11% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Panhandle First Bank Guymon, OK · $569M
- Cattlemens Bank Altus, OK · $595M
- Wisdom Heritage Bank Alva, OK · $601M
- First Pryority Bank Pryor, OK · $558M
- Chickasaw Community Bank Oklahoma City, OK · $557M
- Frontier State Bank Oklahoma City, OK · $609M
Questions about First National Bank & Trust Company of McAlester
How big is First National Bank & Trust Company of McAlester?
First National Bank & Trust Company of McAlester, established in 1896, is headquartered in Mcalester, OK. It reported $580M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First National Bank & Trust Company of McAlester's return on assets?
1.94% annualized in Q2 2026, against a 1.46% median for 64 OK banks with half to twice its assets, ahead of 78% of them.
What is First National Bank & Trust Company of McAlester's efficiency ratio?
54.70% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 61.11%, and lower is better.
Is First National Bank & Trust Company of McAlester growing its loans?
Net loans grew 2.4% over the year to Q2 2026, while deposits grew 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.