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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Midwest City, OK · FDIC certificate #16127
FNB COMMUNITY BANK is an FDIC-insured institution based in Midwest City, OK (FDIC certificate #16127). In its Q3 2026 Call Report it reported total assets of $477M, total deposits of $427M and net loans of $309M. Its primary federal regulator is FED.
Plain-language readout
FNB COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $496M in Q1 2026 and were lowest at $477M in Q3 2026.
Total deposits were highest at $446M in Q1 2026 and lowest at $427M in Q3 2026.
Over the whole period total assets fell 3.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $477M | $427M | $309M | 1.16% | 12.16% | 4.08% |
| Q2 2026 | $480M | $430M | $299M | 1.14% | 11.93% | 4.03% |
| Q1 2026 | $496M | $446M | $280M | 1.00% | 10.58% | 3.82% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $22.2M | $53.9M | -$31.7M | -58.9% |
| Federal funds sold | $1.6M | $15.2M | -$13.6M | -89.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $132.4M | $129.2M | +$3.2M | +2.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $298.7M | $280.2M | +$18.5M | +6.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.3M | $3.4M | -$153K | -4.4% |
| Other real estate owned | $2.9M | $2.9M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $173K | $173K | $0K | 0.0% |
| All other assets | $19.0M | $11.3M | +$7.7M | +67.8% |
| Total assets | $480.2M | $496.3M | -$16.1M | -3.2% |
| Liabilities | ||||
| Total deposits | $430.3M | $446.3M | -$16.0M | -3.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.5M | $3.4M | +$106K | +3.1% |
| Total liabilities | $433.8M | $449.7M | -$15.9M | -3.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $3.0M | $3.0M | $0K | 0.0% |
| Surplus | $3.0M | $3.0M | $0K | 0.0% |
| Retained earnings | $47.0M | $47.0M | +$65K | +0.1% |
| Accumulated other comprehensive income | -$6.6M | -$6.3M | -$275K | -4.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $46.4M | $46.6M | -$210K | -0.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $10.1M | $10.6M | -$508K | -4.8% |
| Adjusted nonperforming assets | $10.1M | $10.6M | -$508K | -4.8% |
| Tangible equity plus allowance | $51.8M | $52.5M | -$657K | -1.3% |
| Texas ratio (gross) | 19.39% | 20.12% | -0.73 pts | See points |
| Texas ratio (adjusted) | 19.39% | 20.12% | -0.73 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 19.47% | 20.20% | -0.73 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.09% | 17.35% | -1.25 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.09% | 17.35% | -1.25 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.35% | 18.61% | -1.26 pts | See points |
| Tier 1 leverage (approximate) | 10.54% | 10.48% | +0.06 pts | See points |
| Construction and land loans to total capital | 85.05% | 62.28% | +22.78 pts | See points |
| Commercial real estate to total capital | 257.01% | 222.89% | +34.12 pts | See points |
| Dividend payout, year to date | 53.49% | 0.00% | +53.49 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -12.51% | -12.01% | -0.50 pts | See points |
| Liquidity | ||||
| Core deposits | $419.5M | $435.5M | -$16.0M | -3.7% |
| Non-core funding | $10.8M | $10.7M | +$19K | +0.2% |
| Loans to core deposits | 72.52% | 65.71% | +6.81 pts | See points |
| Loans to deposits | 70.71% | 64.13% | +6.58 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 75.69% | 74.37% | +1.32 pts | See points |
| Loans pledged, share of loans | 16.75% | 21.28% | -4.53 pts | See points |
| Volatile liabilities | $10.8M | $10.7M | +$19K | +0.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.2M | +$1.4M | +120.9% |
| Earnings before provision, single quarter | $1.4M | $1.2M | +$243K | +20.9% |
| Provision for credit losses, year to date | -$178K | -$49K | -$129K | -263.3% |
| Yield and cost | ||||
| Yield on loans and leases | 6.00% | 5.55% | +0.45 pts | See points |
| Yield on interest-bearing balances due from banks | 5.13% | 3.92% | +1.20 pts | See points |
| Total interest income to average assets | 4.49% | 4.19% | +0.29 pts | See points |
| Cost of interest-bearing transaction accounts | 1.20% | 1.20% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.96% | 0.95% | +0.01 pts | See points |
| Cost of time deposits | 1.55% | 1.57% | -0.03 pts | See points |
| Total interest expense to average assets | 0.73% | 0.75% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $477M | $427M | $309M | 1.16% | 12.16% | 4.08% |
| 2026-06-30 | $480M | $430M | $299M | 1.14% | 11.93% | 4.03% |
| 2026-03-31 | $496M | $446M | $280M | 1.00% | 10.58% | 3.82% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $428.4M | 0.30% | 56 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.