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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Checotah, OK · FDIC certificate #4059
PEOPLES NB OF CHECOTAH is an FDIC-insured institution based in Checotah, OK (FDIC certificate #4059). In its Q3 2026 Call Report it reported total assets of $168M, total deposits of $137M and net loans of $45M. Its primary federal regulator is OCC.
Plain-language readout
PEOPLES NB OF CHECOTAH has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $173M in Q1 2026 and were lowest at $168M in Q3 2026.
Total deposits were highest at $140M in Q1 2026 and lowest at $137M in Q3 2026.
Over the whole period total assets fell 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $168M | $137M | $45M | 1.54% | 9.60% | 3.43% |
| Q2 2026 | $172M | $139M | $45M | 1.45% | 8.98% | 3.33% |
| Q1 2026 | $173M | $140M | $45M | 1.35% | 8.33% | 3.23% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.4M | $14.4M | -$983K | -6.8% |
| Federal funds sold | $6.3M | $6.6M | -$283K | -4.3% |
| 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) | $98.8M | $98.3M | +$503K | +0.5% |
| 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) | $44.9M | $44.8M | +$47K | +0.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $798K | $812K | -$14K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $205K | $205K | $0K | 0.0% |
| 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 | $7.5M | $7.4M | +$35K | +0.5% |
| Total assets | $171.8M | $172.5M | -$695K | -0.4% |
| Liabilities | ||||
| Total deposits | $139.3M | $139.8M | -$485K | -0.3% |
| 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 | $5.1M | $5.0M | +$74K | +1.5% |
| Total liabilities | $144.4M | $144.8M | -$411K | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $200K | $200K | $0K | 0.0% |
| Retained earnings | $27.7M | $27.2M | +$462K | +1.7% |
| Accumulated other comprehensive income | -$474K | $272K | -$746K | -274.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $27.5M | $27.7M | -$284K | -1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $244K | $133K | +$111K | +83.5% |
| Adjusted nonperforming assets | $244K | $133K | +$111K | +83.5% |
| Tangible equity plus allowance | $28.7M | $29.0M | -$290K | -1.0% |
| Texas ratio (gross) | 0.85% | 0.46% | +0.39 pts | See points |
| Texas ratio (adjusted) | 0.85% | 0.46% | +0.39 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 43.68% | 43.31% | +0.37 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 43.68% | 43.31% | +0.37 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 | 44.94% | 44.57% | +0.37 pts | See points |
| Tier 1 leverage (approximate) | 16.05% | 15.99% | +0.06 pts | See points |
| Construction and land loans to total capital | 1.91% | 1.87% | +0.04 pts | See points |
| Commercial real estate to total capital | 3.43% | 3.92% | -0.49 pts | See points |
| Dividend payout, year to date | 32.34% | 34.78% | -2.45 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.70% | 0.99% | -2.69 pts | See points |
| Liquidity | ||||
| Core deposits | $122.7M | $121.1M | +$1.6M | +1.3% |
| Non-core funding | $16.6M | $18.7M | -$2.1M | -11.2% |
| Loans to core deposits | 37.57% | 38.03% | -0.47 pts | See points |
| Loans to deposits | 33.10% | 32.95% | +0.14 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 28.17% | 28.81% | -0.64 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $16.6M | $18.7M | -$2.1M | -11.2% |
| Earnings | ||||
| Earnings before provision, year to date | $1.3M | $589K | +$675K | +114.6% |
| Earnings before provision, single quarter | $675K | $589K | +$86K | +14.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.47% | 7.37% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 4.88% | 4.64% | +0.24 pts | See points |
| Total interest income to average assets | 4.43% | 4.30% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.75% | 0.77% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.61% | 0.60% | +0.02 pts | See points |
| Cost of time deposits | 3.35% | 3.44% | -0.09 pts | See points |
| Total interest expense to average assets | 1.25% | 1.28% | -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 | $168M | $137M | $45M | 1.54% | 9.60% | 3.43% |
| 2026-06-30 | $172M | $139M | $45M | 1.45% | 8.98% | 3.33% |
| 2026-03-31 | $173M | $140M | $45M | 1.35% | 8.33% | 3.23% |
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 | $136.6M | 0.10% | 124 | 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.