FNB COMMUNITY BANK

MIDWEST CITY, OK | Small | Est. June 1, 1943, midnight | FDIC #16127 | RSSD #839255 | FED
Latest Report: 2025-12-31

FNB COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in MIDWEST CITY, OK, established in June 1, 1943, midnight. As of 2025-12-31, the bank reported total assets of $475M and total deposits of $426M. Profitability stands at 0.68% ROA and 7.20% ROE, with a net interest margin of 3.75%. The bank's CET1 capital ratio is 17.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.19% and a Texas Ratio of 19.27%. FDIC Certificate #16127.

Assets

$475M

Deposits

$426M

Loans

$282M

Equity

$45M

Profitability

Return on Assets (ROA) 0.68%
Return on Equity (ROE) 7.20%
Net Interest Margin (NIM) 3.75%
Yield on Assets 4.76%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 3.19%
Net Charge-Off Ratio 0.36%
Texas Ratio 19.27%
NPA Ratio 2.08%
ACL / Loans 2.12%

Capital & Liquidity

CET1 Ratio 17.74%
Tier 1 Capital 17.74%
Total Capital Ratio 19.00%
Leverage Ratio 10.72%
Loan-to-Deposit 66.03%

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