TellerScore

First National Bank & Trust Company of McAlester is a national bank headquartered in Mcalester, Oklahoma, in business for about 130 years. At the end of Q2 2026 it reported $580.4M in total assets and $504.2M in deposits, with 6 offices.

Based on its Q2 2026 filing, First National Bank & Trust Company of McAlester scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 77th. Its strongest component is earnings (98/100; 1.94%), and its lowest is loan quality (55/100; 1.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.89%
Loan quality55/100
Noncurrent loans ÷ total loans: 1.34%
Earnings98/100
Return on assets (annualized): 1.94%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 68.5% · 27.4% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (64 → 71), mostly because the earnings component improved by 20 points.

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202464
Q1 202563
Q2 202564
Q3 202564
Q4 202567
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%7.99%10.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.12%
Q3 202410.37%
Q4 202410.71%
Q1 202510.83%
Q2 202510.75%
Q3 202510.77%
Q4 202510.97%
Q1 202610.98%
Q2 202610.89%
Noncurrent loans
1.08%1.41%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.08%
Q3 20241.39%
Q4 20241.31%
Q1 20251.67%
Q2 20251.68%
Q3 20251.75%
Q4 20251.55%
Q1 20261.36%
Q2 20261.34%
Return on assets
1.04%1.49%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20241.12%
Q4 20241.13%
Q1 20251.42%
Q2 20251.46%
Q3 20251.50%
Q4 20251.58%
Q1 20261.88%
Q2 20261.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$580.4M10.89%1.34%1.94%68.5%
Q1 202671$575.6M10.98%1.36%1.88%69.2%
Q4 202567$564.0M10.97%1.55%1.58%70.1%
Q3 202564$564.6M10.77%1.75%1.50%68.4%
Q2 202564$566.8M10.75%1.68%1.46%67.7%
Q1 202563$562.2M10.83%1.67%1.42%70.5%
Q4 202464$549.8M10.71%1.31%1.13%71.2%
Q3 202463$559.5M10.37%1.39%1.12%71.3%
Q2 202463$573.7M10.12%1.08%1.04%72.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.89%
48th
Total risk-based capital0.00%
24th
Problem loans1.34%
20th
Net charge-offs-0.02%
92nd
Return on assets1.94%
86th
Net interest margin4.16%
63rd
Efficiency ratio54.7%
73rd
Loans to deposits68.5%
72nd
Uninsured deposits27.4%
37th
Loan-loss reserves1.37%
69th
Texas ratio6.9%
27th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Panhandle First BankBank Guymon, OK56 out of 100, Moderate$568.7M13.0%2.34%vs
Cattlemens BankBank Altus, OK68 out of 100, Moderate$595.2M10.3%0.29%vs
Wisdom Heritage BankBank Alva, OK78 out of 100, Strong$601.3M14.2%1.28%vs
First Pryority BankBank Pryor, OK58 out of 100, Moderate$558.1M10.5%1.69%vs
Chickasaw Community BankBank Oklahoma City, OK47 out of 100, Below average$557.1M11.0%2.78%vs
Frontier State BankBank Oklahoma City, OK47 out of 100, Below average$608.6M11.5%4.81%vs

Deposit insurance

Is my money safe at First National Bank & Trust Company of McAlester?

Yes. First National Bank & Trust Company of McAlester is an FDIC-insured institution (FDIC certificate #4145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.4% of deposits ($138.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

First National Bank & Trust Company of McAlester lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First National Bank & Trust Company of McAlester
Former names
The First National Bank of Mcalester
Type
National bank
FDIC certificate #
4145
RSSD ID
830355
Primary regulator
OCC
Holding company
First of McAlester Corp
Established
December 12, 1896
Headquarters
235 E Choctaw Ave, Mcalester, OK 74501
Employees
80

Quick answers

First National Bank & Trust Company of McAlester: common questions

Is First National Bank & Trust Company of McAlester FDIC insured?

Yes. First National Bank & Trust Company of McAlester is an FDIC-insured institution (FDIC certificate #4145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank & Trust Company of McAlester's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank & Trust Company of McAlester ever failed?

There is no failure record for FDIC certificate #4145 in the FDIC failed bank list.

How many branches does First National Bank & Trust Company of McAlester have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcalester

InstitutionScoreAssetsCapitalProblem loansCompare
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
The Farmers State BankBank Quinton, OK70 out of 100, Strong$193.9M9.3%0.79%vs
McAlester Aap Federal Credit UnionCredit union McAlester, OK69 out of 100, Moderate$12.4M38.4%4.84%vs
FirstBankBank Antlers, OK69 out of 100, Moderate$684.3M10.8%0.82%vs
The Bank, National AssociationBank Mcalester, OK68 out of 100, Moderate$488.1M10.9%1.30%vs
BOKF, National AssociationBank Tulsa, OK64 out of 100, Moderate$53.0B9.3%0.54%vs