TellerScore

Headquartered in Purcell, Oklahoma, McClain Bank is a state-chartered bank with $294.0M in total assets and $265.8M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1922.

Based on its Q2 2026 filing, McClain Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 60th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is capital cushion (45/100; 9.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.52%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.28%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 75.3% · 17.6% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.88%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
747678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202474
Q1 202576
Q2 202575
Q3 202575
Q4 202578
Q1 202677
Q2 202676
Tier 1 leverage ratio
5.00%7.81%10.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.49%
Q3 202410.54%
Q4 20249.95%
Q1 202510.10%
Q2 202510.62%
Q3 202510.34%
Q4 202510.44%
Q1 20269.93%
Q2 20269.52%
Noncurrent loans
0.28%0.63%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.56%
Q3 20240.59%
Q4 20240.62%
Q1 20250.62%
Q2 20250.99%
Q3 20250.87%
Q4 20250.39%
Q1 20260.37%
Q2 20260.28%
Return on assets
1.59%1.78%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.73%
Q3 20241.78%
Q4 20241.59%
Q1 20251.80%
Q2 20251.96%
Q3 20251.94%
Q4 20251.81%
Q1 20261.69%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$294.0M9.52%0.28%1.70%75.3%
Q1 202677$293.5M9.93%0.37%1.69%72.8%
Q4 202578$282.0M10.44%0.39%1.81%76.2%
Q3 202575$277.4M10.34%0.87%1.94%73.7%
Q2 202575$272.4M10.62%0.99%1.96%73.9%
Q1 202576$285.5M10.10%0.62%1.80%68.6%
Q4 202474$276.3M9.95%0.62%1.59%71.5%
Q3 202477$269.1M10.54%0.59%1.78%73.4%
Q2 202476$268.6M10.49%0.56%1.73%76.3%

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 ratio9.52%
22nd
Total risk-based capital0.00%
24th
Problem loans0.28%
59th
Net charge-offs0.03%
32nd
Return on assets1.70%
76th
Net interest margin5.19%
94th
Efficiency ratio56.4%
68th
Loans to deposits75.3%
59th
Uninsured deposits17.6%
73rd
Loan-loss reserves1.32%
65th
Texas ratio2.9%
49th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank & TrustBank Elk City, OK88 out of 100, Very strong$294.0M13.1%0.56%vs
Valor BankBank Edmond, OK71 out of 100, Strong$302.6M8.7%0.32%vs
Security State BankBank Cheyenne, OK77 out of 100, Strong$279.5M10.7%0.67%vs
The Bankers BankBank Oklahoma City, OK54 out of 100, Below average$310.5M12.7%1.93%vs
Old Glory BankBank Elmore City, OK21 out of 100, Low$276.8M2.7%6.58%vs
The Payne County BankBank Perkins, OK83 out of 100, Strong$313.2M14.4%1.09%vs

Deposit insurance

Is my money safe at McClain Bank?

Yes. McClain Bank is an FDIC-insured institution (FDIC certificate #4187). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.6% of deposits ($46.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.52%, 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

4 locations

Branches

McClain Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, McClain Bank reported 186 home-loan applications under HMDA (LEI 549300VWTT8C7CZNY023): 144 originated ($31,780,000 total), 21 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
McClain Bank
Former names
The McClain County National Bank of Purcell; The McLain County National Bank of Purcell; McClain Bank National Associationl
Type
State-chartered bank
FDIC certificate #
4187
RSSD ID
648251
Primary regulator
FDIC
Holding company
McClain County Bcorp Inc
Established
March 8, 1922
Headquarters
131 W Main St, Purcell, OK 73080
Employees
49

Quick answers

McClain Bank: common questions

Is McClain Bank FDIC insured?

Yes. McClain Bank is an FDIC-insured institution (FDIC certificate #4187). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is McClain Bank's TellerScore?

76 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 McClain Bank ever failed?

There is no failure record for FDIC certificate #4187 in the FDIC failed bank list.

How many branches does McClain Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Purcell

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
American Exchange Bank, Lindsay, OklahomaBank Lindsay, OK88 out of 100, Very strong$97.4M11.8%0.00%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs