McCurtain County National Bank
Headquarters
20 N Park Dr
Broken Bow, OK 74728
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2024 Overview
General Bank Information
McCurtain County National Bank is an FDIC insured institution located in Broken Bow, OK. It was founded in 1982 and has approximately $0.36 billion in assets. Customers can open an account at one of its 3 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 23798 |
| Date Established | 1982 |
| Assets | $ 355.65 million |
| Loans | $ 165.34 million |
| Deposits | $ 307.82 million |
| Capital | $ 47.51 million |
For a more detailed analysis of McCurtain County National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for McCurtain County National Bank
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 401822 |
6.944% |
6.750% 1.00 points $6,400 fees |
$2,076 | Learn More |
NMLS ID: 2059741 |
7.004% |
6.875% 0.63 points $4,192 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.463% |
7.375% 0.88 points $2,800 fees |
$2,211 | Learn More |
NMLS ID: Not a Lender |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to McCurtain County National Bank
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Branches
McCurtain County National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
McCurtain County National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
McCurtain County National Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of McCurtain County National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| McCurtain County National Bank | U.S. Bank Average |
|---|---|
| 1.24% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, McCurtain County National Bank had $635,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,507,000 in equity and $3,662,000 in loans loss reserves. That gives it a Texas Ratio of 1.24%.
Return on Equity
| McCurtain County National Bank | U.S. Bank Average |
|---|---|
| 12.14% | 12.20% |
McCurtain County National Bank has a Return on Equity of 12.14% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| McCurtain County National Bank | U.S. Bank Average |
|---|---|
| 13.36% | 10.76% |
McCurtain County National Bank has a Capitalization of 13.36% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
McCurtain County National Bank Balance Sheet Analysis
As of December 31, 2023, McCurtain County National Bank had assets of $355,653,000, loans of $165,342,000, and deposits of $307,823,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 66.65 million |
| Interest-bearing balances | $ 53.47 million |
| Total securities | $ 81.94 million |
| Federal funds sold and reverse repurchase | $ 27.38 million |
| Net loans and leases | $ 165.34 million |
| Loan loss allowance | $ 3.66 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 2.31 million |
| Total Assets | $ 308.15 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 307.82 million |
| Interest-bearing deposits | $ 216.45 million |
| Deposits held in domestic offices | $ 307.82 million |
| % insured (estimated) | 55.38% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.04 million |
| Total Liabilities | $ 308.15 million |
| Shareholders’ Equity | $ 47.51 million |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 17.61 million |
| Total Interest Expense | $ 4.78 million |
| Net interest income | $ 12.83 million |
| Provision for loan and lease losses | $ 0.22 million |
| Total non interest income | $ 1.70 million |
| Total non interest expense | $ 7.24 million |
| Pre-tax Net Operating Income | $ 1.94 million |
Bank Loan Profile?
The top three loan types in McCurtain County National Bank’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.
Compared to other banks in Oklahoma, McCurtain County National Bank has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 46.81 | ✓ | ||
| Multifamily Mortgages |
0.00 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 4.36 | ✓ | ||
| Small Business Loans | 6.98 | ✓ | ||
| Construction and Development Loans | 16.12 | ✓ | ||
| Commercial Real Estate | 8.83 | ✓ | ||
| Commercial and Industrial Loans | 7.15 | ✓ | ||
| Farm Loans | 1.33 | ✓ | ||
Customer Reviews for McCurtain County National Bank
None of your business
November 19, 2023 |
The people at MCNB are nothing but idiotic childish nuts, especially that woman who runs the Valliant branch. She is unprofessional and is a jerk, and not only a jerk, a fruitcake who is suffering from a mental illness due to overexposure to stupidity. That’s all I am going to say. STAY CLEAR OF MCNB, ESPECIALLY THEIR VALLIANT LOCATION.
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NONE OF YOUR BUSINESS WHAT MY NAME IS
August 10, 2023 |
MCCURTAIN COUNTY NATIONAL BANK IS A CRAPPY ORGANIZATION. EVERYONE WHO WORKS THERE SUCKS AND THEY ARE UNPROFESSIONAL. THEY ARE RUDE, THEY DO NOT TAKE BATHS AND THEY STINK, THEY ARE DISRESPECTFUL TO CUSTOMERS, INCLUDING THEIR OWN EMPLOYEES. DO NOT HAVE ANYTHING TO DO WITH THAT WORTHLESS ORGANIZATION. THEY WILL MANIPULATE YOU, STEAL YOUR MONEY, AND WILL FORCE YOU DO DO BUSINESS THEY WAY THEY WANT YOU TO. MCCURTAIN COUNTY NATIONAL BANK IS THE WORST FINANCIAL INSTITUTION IN THE ENTIRE UNITED STATES. DO NOT WASTE YOUR TIME WITH THEM!
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chad pratt
July 15, 2018 |
this financial institution is not regulated, the reason why is it is under the FDIC umbrella, so then being a small financial institution compared to Bank of America, it is regulated by the OCC. this government agency is "horrific" at best. they will not help you even when you have "FACT" that this financial institution has did many wrongs to you. in other words, the agency is "biased" and if one does not believe me, just let me know and I will show you the file. the owner of this "Pathetic Place" is 10 times worse than his father, or the person who founded the first bank in 1982. all I have to say is you better be aware of your monies, if you bank there, because it will disappear without notice. this, let alone, of their loans, because of no regulation, they do as they please, then if you get sued by them, because it is pointless to do the same, for the reason that the district court judge works for them or is CORRUPT as his big fat ass. hope this serves well. thanks... cpratt.
Is this review helpful? Yes:1 / No: 0
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