The Bank, National Association: how it compares with its peers
Against 65 OK banks with half to twice its assets, The Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.34% vs. a 4.17% peer median). Its weakest relative measure is assets per employee ($5.7M vs. $6.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.63% | 1.42% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.34% | 4.17% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.95% | 60.88% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.8M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.83% | 78.15% | Context |
What it means for lending operations
Its efficiency ratio of 61.95% is above the 60.88% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- FNB Community Bank Midwest City, OK · $480M
- FSNB, National Association Lawton, OK · $478M
- Ameristate Bank Atoka, OK · $478M
- Shamrock Bank, N.A. Coalgate, OK · $501M
- Bank of Western Oklahoma Elk City, OK · $470M
- Local Bank Hulbert, OK · $463M
Questions about The Bank, National Association
How big is The Bank, National Association?
The Bank, National Association, established in 1927, is headquartered in Mcalester, OK. It reported $488M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Bank, National Association's return on assets?
1.63% annualized in Q2 2026, against a 1.42% median for 65 OK banks with half to twice its assets, ahead of 62% of them.
What is The Bank, National Association's efficiency ratio?
61.95% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 60.88%, and lower is better.
Is The Bank, National Association growing its loans?
Net loans grew 26.2% over the year to Q2 2026, while deposits grew 7.3%.
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.