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Fnb Community Bank
Midwest City, OK · FDIC Certificate #16127 · Chartered 06/0
Total assets
$480.19M
Total deposits
$430.26M
Total equity
$46.41M
Net loans
$298.66M
Branches (offices)
7
Net income (YTD)
$2.75M
Rank: #1,839 of 4,213 U.S. banks by assets · #54 of 168 in Oklahoma. Assets changed 1.3% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 11.93% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 9.67% |
| Tier 1 leverage ratio | 10.54% |
| Uninsured deposits (share of deposits) | 30.7% |
| Noncurrent loans (share of loans) | 2.35% |
| Net charge-offs (share of loans) | 0.36% |
| Loans to deposits | 69.4% |
| Real estate loans (share of loans) | 81.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $242.60M | 81.2% | |
| Commercial & industrial | $37.82M | 12.7% | |
| Consumer / individual | $17.83M | 6.0% | |
| Construction & development | $48.46M | 16.2% | |
| Agricultural | $294.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $542.03M | $492.80M | $1.83M | $31.63M |
| Jun 2023 | $518.59M | $449.64M | $2.15M | $32.27M |
| Jun 2024 | $508.91M | $418.26M | $1.18M | $36.17M |
| Jun 2025 | $474.13M | $428.39M | $1.78M | $42.59M |
| Jun 2026 | $480.19M | $430.26M | $2.75M | $46.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $430.26M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $430.26M.
Similar-sized banks
Iowa State Bank ($480.55M) · Hoyne Savings Bank ($479.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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