# MCCLAIN BANK
PURCELL, OK · FDIC certificate 4187 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $294.0M | |
| Deposits | $265.8M | |
| Loans and leases | $202.7M | |
| Total equity | $27.6M | |
| Loans / deposits | 75.26% (p53 of band) | 73.59% |
| Liquid assets / assets | 26.71% (p36 of band) | |
| Uninsured deposits / deposits | 17.59% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -0.44% (p83 of band) | -6.57% |
| AOCI / equity | -1.06% (p26 of band) | |
| ROA (annualized) | 1.70% (p76 of band) | 1.17% |
| Net interest margin | 5.19% (p93 of band) | 3.93% |
| Efficiency ratio | 56.35% (p26 of band) | |
| Noncurrent loans | 0.28% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | 477.82% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 166.18% (p99 of band) | |
| Auto loans | $1.0M (0.51% of loans; DQ 2.64%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.8% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 | construction >100% equity | reserve under noncurrent |
| 2015-09 | 2 | capital falling, reserve under noncurrent | construction >100% equity |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 2 | construction >100% equity |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | construction >100% equity |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 1 |  | construction >100% equity |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 0 |  | uninsured deposits leaving, charge-offs p90 |
| 2019-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 2 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | deposits shrinking |  |
| 2022-03 | 1 | capital falling | deposits shrinking |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 2 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 0 |  | charge-offs p90, reserve under noncurrent, capital falling |
| 2024-09 | 1 | construction >100% equity |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | construction >100% equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | construction >100% equity |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-07-28 [Kelly Nemecek named branch manager of Norman's McClain Bank - Norman Transcript](https://news.google.com/rss/articles/CBMi6wFBVV95cUxORUNUWktJRDExSVJEMkEtSUFpSG5VZjVoa0lRQ0tEX3lldUlHeEkwWUNTcVp6THRFeDZVellMdGQtRHRpcUVNYU5rRlFsZS15bF9KbFYxR3lNdzZLaUFJeUl0UEJzaHBMODY0RTNsOHQ4ZjRxd2JkTnU2eDJPS2g0cXZqZ3prY2tTU3BTR3F4ejliekpTQTJpWm9GUXpKdXF6cFBfbGhZZ1otTXBSMmZLWE1qbDRIVW52RHdQeXZfWmNIdXJzYWx5emJJRldPYnJfcmdVdWwtZmFfTWswQzRDZHpQZ2dIbkc4RnI0?oc=5) · Norman Transcript
- 2024-03-01 [Perry Nemecek - View Obituary & Service Information - Wilson-Little Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE4xbXQtSlhtTmRYQWtDaFplTlppTW9xd1JzcFpoZm9Dd3BwT3FZVUNwaklpaFFpME5xdjNUMTZnZUhrYUZSZXBhRDZKSUt5TmM3X3c4X1g2RGtqeXpKelBOWE83RzV6U0E?oc=5) · Wilson-Little Funeral Home
- 2024-09-19 [McClain County Court Records - The Newcastle Pacer](https://news.google.com/rss/articles/CBMifEFVX3lxTE9GcjdsN01BYzRMdVYwRTIxSVZ0SEFGN0Qtem51MkFaQmpma0xHOGwwWmctbnVwN3ZPSFRaMHNhZG5VUy10c2RTQzgxS256emVvMnp6aUQ2ODZJTXhQUTJrV3VOT0g3VEdMYkZTc3dmY0d3ZkJOZFQ3bHB6U2U?oc=5) · The Newcastle Pacer
- 2025-08-28 [School bosses like no cell rule - Purcell Register](https://news.google.com/rss/articles/CBMihAFBVV95cUxQLWQxSmJKcFdZVzhIWHJJMHlPS1hudDF6OFNYQ181V2pPS2lxX20tUjNVTVd3U1Y5QnRxdXE0STJtTVY3bzBNOHdVWUptSTBtOWl4cng5UW8yMU5pYVdWWjhNR194SmhtbUlLQVJjYU1nc0RXcEFRcldOZzdncTEySmNpZHM?oc=5) · Purcell Register
- 2017-02-19 [Business People: Local firms' hirings and promotions - The Oklahoman](https://news.google.com/rss/articles/CBMivgFBVV95cUxNWmdaWFZjU3ZQMktTbkJ2MVhCUk1MdmFtUzd5UjJYY2lCZVd3UGcxYWNwanJjVUgxLTl5SENhN202bVRDd2pSWTVkcVlUVTQ2S050UmxveEZ5MWtPRG5WUmRBejFlWjVaY0Z3ZkpaNW9TYkg1b1ZIVnBsbmJCQmRQdkk2NFBWMU5tVzdvNnBWTndxOVkyaTBHN2NLYkJyeEp1VVY4a2Zod2loelg3OW5WWXJ0aU5aTlhsVFpESzlR?oc=5) · The Oklahoman
- 2023-05-16 [‘Ghost’ cattle operation center of massive Ponzi fraud scheme - southwestledger.news](https://news.google.com/rss/articles/CBMimgFBVV95cUxOOWR4UUxvbzdNWk9fQ3lobzRtWW81UmlBMEhxazRILTNTb05LMktESkwxOWZGWlZOZlBLZUkyOTgzRVd4RExQa0Z5MEUzNVFTOUxfUjh3b0NXV2dYX2d3WVhGZG4tTnVxWVZkdEtISTlQOWNybDhDVlh6aUxvWE4wTUNXSS1iVzhvbDROcFhPTlZ0RU53ZDdxYVR3?oc=5) · southwestledger.news
- 2019-12-27 [Oklahoma bank warning debit card customers about fraudulent activity - KFOR.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNMHBERElnbHpJcVEtNkpsZllsN1haZ3VUQ2E5YjdkUTlDam4tUDBja2R1SFJjbmVDdENLMkxTVnFkN1pvQnRSSlcxdzhNOGNKYW1tWHdQLVVMb1h5Q2p5ZTRlb3g3Y2xZV0NuSEJuSmIxREJaM3N4SXlzM0tKZjJ6TFptYnIwNzhGdVZKV0phSG4yclFIdnfSAZsBQVVfeXFMTlRfcE81ZHQ5cjVBQnpXRXozS3h3Qk1UYi1FU24yYTl1YTNNUnNRdFd3VU5iMVR6a3FuRzlTOWRrT1NWOXN4TF9VUXhVczRXYjB0V1BMR2l2OThaNFpMOERXM1E0ZU1iQWJpcmFRSy1tRkJrSkdXaHBNanF2WUxVZXBxUXFLbUpUY2VZaVlyd1NsMXh2RkhGLUZuVms?oc=5) · KFOR.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4187 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "4187", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide