McCurtain County National Bank

Headquarters

20 N Park Dr
Broken Bow, OK 74728
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Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.80% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

Reviewed by 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.


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 $ 356.42 million
Loans $ 159.71 million
Deposits $ 305.86 million
Capital $ 50.19 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 - November 23, 2024

Your Current Location: Ohio, OH 43085


Loan Rates - November 23, 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
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Rocket Mortgage
NMLS ID: 3030
7.225% 7.125%
1.00 points
$3,200 fees
$2,156 Learn More
Neighbors Bank
NMLS ID: 491986

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fees
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FHAloans.com
NMLS ID: Not a Lender

points
fees
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Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR 7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to McCurtain County National Bank
To upload and update your bank's rates please register. It is free to register and add rates.

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


McCurtain County National Bank Locations around zip code 43085




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
1.03% 4.48%

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 June 30, 2024, McCurtain County National Bank had $555,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $50,185,000 in equity and $3,725,000 in loans loss reserves. That gives it a Texas Ratio of 1.03%.

Return on Equity
McCurtain County National Bank U.S. Bank Average
10.89% 10.46%

McCurtain County National Bank has a Return on Equity of 10.89% versus the BestCashCow average of 10.46%. 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
14.08% 10.84%

McCurtain County National Bank has a Capitalization of 14.08% versus the BestCashCow average of 10.84. 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 June 30, 2024, McCurtain County National Bank had assets of $356,417,000, loans of $159,709,000, and deposits of $305,862,000. 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

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 61.37 million
Interest-bearing balances $ 54.59 million
Total securities $ 89.93 million
Federal funds sold and reverse repurchase $ 31.21 million
Net loans and leases $ 159.71 million
Loan loss allowance $ 3.73 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 $ 306.23 million
LIABILITIES
Total deposits $ 305.86 million
      Interest-bearing deposits $ 210.63 million
      Deposits held in domestic offices $ 305.86 million
      % insured (estimated) 57.68%
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 $ 306.23 million
      Shareholders’ Equity $ 50.19 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 9.80 million
Total Interest Expense $ 3.66 million
Net interest income $ 6.14 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.85 million
Total non interest expense $ 3.49 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 48.46
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 4.52
Small Business Loans 6.92
Construction and Development Loans 16.69
Commercial Real Estate 9.14
Commercial and Industrial Loans 7.40
Farm Loans 1.38

Customer Reviews for McCurtain County National Bank


  • 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.

  • 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!

  • 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.


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