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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Purcell, OK · FDIC certificate #4187
MCCLAIN BANK is an FDIC-insured institution based in Purcell, OK (FDIC certificate #4187). In its Q3 2026 Call Report it reported total assets of $287M, total deposits of $258M and net loans of $202M. Its primary federal regulator is FDIC.
Plain-language readout
MCCLAIN BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $294M in Q2 2026 and were lowest at $287M in Q3 2026.
Total deposits were highest at $266M in Q2 2026 and lowest at $258M in Q3 2026.
Over the whole period total assets fell 2.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $287M | $258M | $202M | 1.70% | 16.91% | 5.26% |
| Q2 2026 | $294M | $266M | $200M | 1.70% | 16.87% | 5.19% |
| Q1 2026 | $294M | $262M | $191M | 1.69% | 16.24% | 5.14% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $41.7M | $52.9M | -$11.3M | -21.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $36.9M | $34.6M | +$2.3M | +6.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $390K | $766K | -$376K | -49.1% |
| Net loans and leases (after allowance) | $199.6M | $190.2M | +$9.4M | +5.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.4M | $5.4M | -$4K | -0.1% |
| Other real estate owned | $314K | $38K | +$276K | +726.3% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $9.8M | $9.6M | +$172K | +1.8% |
| Total assets | $294.0M | $293.5M | +$509K | +0.2% |
| Liabilities | ||||
| Total deposits | $265.8M | $262.2M | +$3.6M | +1.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $601K | $852K | -$251K | -29.5% |
| Total liabilities | $266.4M | $263.0M | +$3.3M | +1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $800K | $800K | $0K | 0.0% |
| Retained earnings | $26.7M | $29.4M | -$2.7M | -9.1% |
| Accumulated other comprehensive income | -$92K | $60K | -$152K | -253.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $27.6M | $30.5M | -$2.8M | -9.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $873K | $750K | +$123K | +16.4% |
| Adjusted nonperforming assets | $873K | $750K | +$123K | +16.4% |
| Tangible equity plus allowance | $30.3M | $32.9M | -$2.6M | -7.9% |
| Texas ratio (gross) | 2.88% | 2.28% | +0.60 pts | See points |
| Texas ratio (adjusted) | 2.88% | 2.28% | +0.60 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.88% | 2.28% | +0.60 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.52% | 9.93% | -0.41 pts | See points |
| Construction and land loans to total capital | 151.07% | 137.70% | +13.37 pts | See points |
| Commercial real estate to total capital | 203.45% | 186.98% | +16.47 pts | See points |
| Dividend payout, year to date | 164.23% | 11.50% | +152.73 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.44% | 0.26% | -0.70 pts | See points |
| Liquidity | ||||
| Core deposits | $259.8M | $256.7M | +$3.1M | +1.2% |
| Non-core funding | $6.0M | $5.5M | +$457K | +8.3% |
| Loans to core deposits | 77.86% | 75.05% | +2.81 pts | See points |
| Loans to deposits | 76.11% | 73.47% | +2.64 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | -0.00 pts | See points |
| Pledged securities share of securities | 66.92% | 66.93% | -0.01 pts | See points |
| Loans pledged, share of loans | 25.79% | 27.16% | -1.38 pts | See points |
| Volatile liabilities | $6.0M | $5.5M | +$457K | +8.3% |
| Earnings | ||||
| Earnings before provision, year to date | $3.6M | $1.8M | +$1.8M | +103.2% |
| Earnings before provision, single quarter | $1.8M | $1.8M | +$57K | +3.2% |
| Provision for credit losses, year to date | $400K | $190K | +$210K | +110.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.36% | 7.12% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | 3.92% | 3.77% | +0.14 pts | See points |
| Total interest income to average assets | 6.13% | 5.79% | +0.35 pts | See points |
| Cost of interest-bearing transaction accounts | 0.86% | 0.75% | +0.10 pts | See points |
| Cost of savings and money market deposits | 2.07% | 2.16% | -0.09 pts | See points |
| Cost of time deposits | 3.43% | 3.44% | -0.01 pts | See points |
| Total interest expense to average assets | 1.24% | 1.28% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $287M | $258M | $202M | 1.70% | 16.91% | 5.26% |
| 2026-06-30 | $294M | $266M | $200M | 1.70% | 16.87% | 5.19% |
| 2026-03-31 | $294M | $262M | $191M | 1.69% | 16.24% | 5.14% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $242M | 0.17% | 94 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.