PEOPLES NATIONAL BANK OF CHECOTAH, THE

CHECOTAH, OK | Small | Est. Jan. 1, 1911, midnight | FDIC #4059 | RSSD #942454 | OCC
Latest Report: 2025-12-31

PEOPLES NATIONAL BANK OF CHECOTAH, THE is asn small FDIC-insured commercial bank headquartered in CHECOTAH, OK, established in Jan. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $169M and total deposits of $137M. Profitability stands at 1.24% ROA and 7.49% ROE, with a net interest margin of 3.33%. The bank's CET1 capital ratio is 42.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 0.50%. FDIC Certificate #4059. The institution operates 1 domestic branch.

Assets

$169M

Deposits

$137M

Loans

$47M

Equity

$28M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 7.49%
Net Interest Margin (NIM) 3.33%
Yield on Assets 4.78%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio -0.16%
Texas Ratio 0.50%
NPA Ratio 0.09%
ACL / Loans 2.65%

Capital & Liquidity

CET1 Ratio 42.99%
Tier 1 Capital 42.99%
Total Capital Ratio 44.24%
Leverage Ratio 16.11%
Loan-to-Deposit 34.33%

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