First Nb&T Co of Mcalester
Mcalester, Oklahoma · FDIC Cert #4145
First Nb&T Co of Mcalester is an FDIC-insured bank (Certificate #4145) with $574M in total assets and $492M in total deposits as of the Q2 2024 Call Report. Headquartered in Mcalester, Oklahoma, the bank maintains a Tier 1 capital ratio of 15.13% (Well-Capitalized) and a nonperforming loan ratio of 1.08%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb&T Co of Mcalester (FDIC cert 4145) is a community bank — $574M in total assets, $492M in deposits, serving the Mcalester, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.13% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.08% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 31.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.04% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Nb&T Co of Mcalester carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb&T Co of Mcalester
- Total Assets
- $574M
- Total Deposits
- $492M
- Tier 1 Capital Ratio
- 15.13%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.08%
- Liquidity Ratio
- 31.85%
- Return on Assets
- 1.04%
- Headquarters
- Mcalester, Oklahoma
- FDIC Certificate
- #4145
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb&T Co of Mcalester holds a Tier 1 capital ratio of 15.13%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb&T Co of Mcalester has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb&T Co of Mcalester shows strong financial health indicators. With $574M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb&T Co of Mcalester Compares
First Nb&T Co of Mcalester’s Health Score of 90 is 26 points above the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 15.13% Tier 1 capital ratio is 1.1 points above the US banking industry average near 14%. The 1.08% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.04% is below the national ROA benchmark of ~1.1%. Among 1400 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, First Nb&T Co of Mcalester is 20 points above the portfolio average of 70.
Frequently Asked Questions
First Nb&T Co of Mcalester has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.13%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb&T Co of Mcalester's Tier 1 capital ratio of 15.13% and nonperforming loan ratio of 1.08% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb&T Co of Mcalester is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4145). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb&T Co of Mcalester holds $574M in total assets and $492M in total deposits. It is headquartered in Mcalester, Oklahoma (FDIC Certificate #4145).
First Nb&T Co of Mcalester has a Tier 1 capital ratio of 15.13%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.08%, and the return on assets is 1.04%.
Yes. First Nb&T Co of Mcalester is FDIC-insured (Certificate #4145). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb&T Co of Mcalester's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.