McClain Bank: how it compares with its peers
Against 66 OK banks with half to twice its assets, McClain Bank's strongest measure in Q2 2026 is net interest margin (5.19% vs. a 4.21% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $6.4M).
| Measure | McClain Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.49% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.19% | 4.21% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.35% | 61.19% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.4M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.26% | 75.67% | Context |
What it means for lending operations
Its efficiency ratio of 56.35% is better than the 61.19% 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
- The First National Bank & Trust Elk City, OK · $294M
- VALOR BANK Edmond, OK · $303M
- Security State Bank Cheyenne, OK · $280M
- The Bankers Bank Oklahoma City, OK · $311M
- Old Glory Bank Elmore City, OK · $277M
Questions about McClain Bank
How big is McClain Bank?
McClain Bank, established in 1922, is headquartered in Purcell, OK. It reported $294M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is McClain Bank's return on assets?
1.70% annualized in Q2 2026, against a 1.49% median for 66 OK banks with half to twice its assets, ahead of 65% of them.
What is McClain Bank's efficiency ratio?
56.35% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 61.19%, and lower is better.
Is McClain Bank growing its loans?
Net loans grew 11.8% over the year to Q2 2026, while deposits grew 9.8%.
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.