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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Coweta, OK · FDIC certificate #4071
FNB COWETA is an FDIC-insured institution based in Coweta, OK (FDIC certificate #4071). In its Q3 2026 Call Report it reported total assets of $124M, total deposits of $112M and net loans of $70M. Its primary federal regulator is FED.
Plain-language readout
FNB COWETA has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $128M in Q2 2026 and were lowest at $124M in Q3 2026.
Total deposits were highest at $116M in Q2 2026 and lowest at $112M in Q3 2026.
Over the whole period total assets fell 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $124M | $112M | $70M | 1.89% | 21.06% | 4.56% |
| Q2 2026 | $128M | $116M | $68M | 2.16% | 24.39% | 4.44% |
| Q1 2026 | $125M | $114M | $69M | 2.23% | 25.61% | 4.44% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.5M | $12.0M | +$4.5M | +37.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $41.8M | $42.0M | -$233K | -0.6% |
| 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) | $67.6M | $68.9M | -$1.3M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.0M | $1.0M | +$23K | +2.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $833K | $856K | -$23K | -2.7% |
| Total assets | $127.8M | $124.8M | +$3.0M | +2.4% |
| Liabilities | ||||
| Total deposits | $115.7M | $113.5M | +$2.2M | +1.9% |
| 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 | $310K | $246K | +$64K | +26.0% |
| Total liabilities | $116.0M | $113.8M | +$2.3M | +2.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $600K | $600K | $0K | 0.0% |
| Retained earnings | $13.1M | $12.4M | +$666K | +5.4% |
| Accumulated other comprehensive income | -$2.0M | -$2.1M | +$68K | +3.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.8M | $11.0M | +$734K | +6.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $13.0M | $12.2M | +$798K | +6.5% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.17% | 10.60% | +0.57 pts | See points |
| Construction and land loans to total capital | 54.16% | 59.56% | -5.40 pts | See points |
| Commercial real estate to total capital | 184.08% | 197.73% | -13.65 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.36% | -17.02% | +1.65 pts | See points |
| Liquidity | ||||
| Core deposits | $102.2M | $102.2M | -$19K | -0.0% |
| Non-core funding | $13.5M | $11.3M | +$2.2M | +19.7% |
| Loans to core deposits | 67.35% | 68.54% | -1.19 pts | See points |
| Loans to deposits | 59.50% | 61.73% | -2.24 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 86.99% | 87.50% | -0.51 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $13.5M | $11.3M | +$2.2M | +19.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.5M | $759K | +$726K | +95.7% |
| Earnings before provision, single quarter | $726K | $759K | -$33K | -4.3% |
| Provision for credit losses, year to date | $125K | $65K | +$60K | +92.3% |
| Yield and cost | ||||
| Yield on loans and leases | 7.22% | 7.03% | +0.19 pts | See points |
| Yield on interest-bearing balances due from banks | 3.32% | 3.83% | -0.50 pts | See points |
| Total interest income to average assets | 5.50% | 5.42% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.28% | 0.28% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.22% | 0.24% | -0.02 pts | See points |
| Cost of time deposits | 3.52% | 3.80% | -0.28 pts | See points |
| Total interest expense to average assets | 1.04% | 1.06% | -0.03 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 | $124M | $112M | $70M | 1.89% | 21.06% | 4.56% |
| 2026-06-30 | $128M | $116M | $68M | 2.16% | 24.39% | 4.44% |
| 2026-03-31 | $125M | $114M | $69M | 2.23% | 25.61% | 4.44% |
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 | $108.4M | 0.08% | 136 | Continuing · +0.01 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.