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The Peoples National Bank Of Checotah
Checotah, OK · FDIC Certificate #4059 · Chartered 01/0
Total assets
$171.85M
Total deposits
$139.28M
Total equity
$27.45M
Net loans
$44.86M
Branches (offices)
3
Net income (YTD)
$1.24M
Rank: #3,169 of 4,213 U.S. banks by assets · #108 of 168 in Oklahoma. Assets changed 2.5% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 8.98% |
| Net interest margin (YTD) | 3.33% |
| Equity to assets | 15.98% |
| Tier 1 leverage ratio | 16.05% |
| Uninsured deposits (share of deposits) | 15.3% |
| Noncurrent loans (share of loans) | 0.53% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 32.2% |
| Real estate loans (share of loans) | 55.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $24.76M | 55.2% | |
| Commercial & industrial | $2.18M | 4.9% | |
| Consumer / individual | $14.98M | 33.4% | |
| Construction & development | $548.00K | 1.2% | |
| Agricultural | $4.05M | 9.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $167.04M | $142.15M | $654.00K | $20.50M |
| Jun 2023 | $163.56M | $138.95M | $712.00K | $19.91M |
| Jun 2024 | $167.35M | $139.63M | $905.00K | $22.92M |
| Jun 2025 | $167.66M | $136.59M | $964.00K | $26.03M |
| Jun 2026 | $171.85M | $139.28M | $1.24M | $27.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $139.28M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $139.28M.
Similar-sized banks
Illini State Bank ($171.88M) · Utah Independent Bank ($170.87M)
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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