The Bank, National Association
Total assets
$488.1M
▲ +7.9% YoY
Deposits
$442.8M
▲ +7.3% YoY
Loans
$326.9M
▲ +26.2% YoY
Offices
6
NBM CORP
ROA (annualized)
1.63%
peers 1.24%
ROE (annualized)
18.82%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +26.2% | +5.6% | +20.6 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 18.8% | 11.9% | +7.0 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
Profile
- Established
- 1927
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- NBM CORP
- Specialization
- Commercial Lending Specialization
- Address
- 201 E Carl Albert Pkwy, Mcalester, OK, 74501
- County
- Pittsburg
- Metro area
- McAlester, OK
- Offices
- 6
- FDIC cert #
- 4146
- RSSD ID
- 829050
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $488.1M | $442.8M | $326.9M | $43.4M | $3.9M | 1.63% | 4.34% | 0.88% |
| Q1 2026 | $482.4M | $439.7M | $290.4M | $41.8M | $1.6M | 1.36% | 4.22% | 0.96% |
| Q4 2025 | $476.5M | $435.2M | $276.0M | $40.3M | $6.2M | 1.35% | 3.91% | 0.50% |
| Q3 2025 | $452.0M | $408.3M | $261.0M | $41.8M | $5.4M | 1.58% | 3.87% | 0.62% |
| Q2 2025 | $452.3M | $412.8M | $259.0M | $37.9M | $3.4M | 1.51% | 3.77% | 0.44% |
| Q1 2025 | $458.7M | $420.7M | $245.5M | $36.5M | $1.4M | 1.22% | 3.61% | 0.41% |
| Q4 2024 | $456.0M | $418.7M | $240.0M | $36.1M | $5.3M | 1.18% | 3.64% | 0.51% |
| Q3 2024 | $434.8M | $394.8M | $238.8M | $39.1M | $4.5M | 1.34% | 3.64% | 0.59% |
Loan mix (Q2 2026): real estate $302.6M · commercial $14.3M · consumer $9.3M · securities $131.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.96% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 47th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- FNB Community BankMidwest City, OK · $480.2M
- FSNB, National AssociationLawton, OK · $478.3M
- Ameristate BankAtoka, OK · $477.7M
- Bank of Western OklahomaElk City, OK · $469.7M
- Local BankHulbert, OK · $463.1M
- Watermark BankOklahoma City, OK · $450.5M
Selling to The Bank, National Association?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.