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Monument Bank
Poteau, OK · FDIC Certificate #4111 · Chartered 01/0
Total assets
$112.83M
Total deposits
$91.74M
Total equity
$10.45M
Net loans
$81.34M
Branches (offices)
3
Net income (YTD)
$923.00K
Rank: #3,585 of 4,213 U.S. banks by assets · #127 of 168 in Oklahoma. Assets changed 9.6% and deposits 1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 18.43% |
| Net interest margin (YTD) | 6.56% |
| Equity to assets | 9.26% |
| Tier 1 leverage ratio | 9.89% |
| Uninsured deposits (share of deposits) | 12.6% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 88.7% |
| Real estate loans (share of loans) | 86.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.61M | 86.8% | |
| Commercial & industrial | $4.49M | 5.5% | |
| Consumer / individual | $2.87M | 3.5% | |
| Construction & development | $7.47M | 9.2% | |
| Agricultural | $2.87M | 3.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $96.48M | $87.82M | $398.00K | $8.27M |
| Jun 2023 | $97.34M | $87.68M | $679.00K | $9.19M |
| Jun 2024 | $98.95M | $86.88M | $621.00K | $9.34M |
| Jun 2025 | $102.95M | $90.06M | $853.00K | $10.32M |
| Jun 2026 | $112.83M | $91.74M | $923.00K | $10.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $91.74M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $91.74M.
Similar-sized banks
The Peoples Bank ($113.07M) · Legacy Bank ($112.78M)
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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