Community Bank (Bristow, OK)
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Data as of · sourced from FFIEC call reports. How we update
Community Bank is an FDIC-insured commercial bank headquartered in Bristow, OK, established in 1924 (FDIC certificate 8975), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $119.1M, up 9.3% from Q2 2025, the 123rd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8975
- Headquarters
- Bristow, OK
- Established
- 1924
- Total assets, Q2 2026
- $119.1M
- Assets vs Q2 2025
- +9.3%
- Tier 1 leverage ratio, Q2 2026
- 10.09%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103112125
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank call report
- Holding company
- SOONER SOUTHWEST BANKSHARES, INC.
- Asset rank in state
- 123rd of 169 in Oklahoma
Problem loans are rising at Community Bank. The Bristow, Oklahoma bank had $119 million in assets at June 30, 2026, up 9.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.86% of loans from 0.20% a year earlier. It returns 22.1% a year on shareholders' equity, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also keeps 6.01 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter slipped 13% from a year earlier, to $637,000. Over the same year, loans grew 7.0% and deposits grew 10.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Community Bank reported a return on assets of 2.16%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 8.06%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Community Bank is the 123rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.0% to $119.1M, loans rose 2.0% and deposits rose 3.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.7% of total loans, followed by construction and land development loans at 20.6%. Its 2 offices in the FDIC Summary of Deposits are in Bristow, OK. Judged on its Q2 2026 call report, Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 104 S Main St, Bristow, OK 74010
- County
- Creek
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 17, 1924
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $106.9M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $118.2M
- Average total loans
- $96.1M
- Average interest-bearing deposits
- $80.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8975
- Fed RSSD
- 938550
- Website
- http://www.cbbristow.com →
- Parent Holding Company
- SOONER SOUTHWEST BANKSHARES, INC. (RSSD 2411619)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community Bank's total assets moved between a low of $106.8M (Q4 2023) and a high of $119.1M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$119.1M total assets against $109.0M; $107.2M total liabilities against $97.1M.
$96.3M net loans and leases against $90.1M; $106.9M total deposits against $96.9M.
$7.7M securities against $9.2M; $12.7M cash and balances due against $7.0M.
$2.1M total interest income against $2.0M; $368K total interest expense against $310K.
$1.7M net interest income against $1.7M.
$276K total noninterest income against $293K; $1.1M total noninterest expense against $1.0M.
$61K provision for credit losses against $24K.
$637K net income against $734K.
2.16% return on assets against 2.66%; 6.01% net interest margin against 6.35%.
10.09% tier 1 leverage ratio against 10.83%.
Inside the full Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Bank rankings
Its closest position to the top of a national ranking is 345 of 3,611, for ROA; its furthest is 3,524 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.09% (Q1 2026) to 2.72% (Q3 2024) and its net interest margin ran from 5.93% (Q1 2026) to 6.35% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.09% | 2.16% | 0.86% | 8.06% | 6.01% |
| Q1 2026 | 9.99% | 2.09% | 0.19% | 2.83% | 5.93% |
| Q4 2025 | 9.56% | 2.42% | 0.20% | 3.00% | 6.21% |
| Q3 2025 | 11.26% | 2.31% | 0.21% | 3.08% | 6.24% |
| Q2 2025 | 10.83% | 2.66% | 0.20% | 3.75% | 6.35% |
| Q1 2025 | 10.11% | 2.47% | 0.22% | 1.52% | 5.94% |
| Q4 2024 | 9.45% | 2.62% | 0.76% | 5.85% | 6.28% |
| Q3 2024 | 10.94% | 2.72% | 0.76% | 5.05% | 6.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank (main office) | Bristow , OK | 74010 | $106.9M |
| Detached Facility | Bristow , OK | 74010 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 136 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $422K approved, $422K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank
What are Community Bank's total assets?
As of the Q2 2026 filing, Community Bank reported total assets of $119.1 million in its FFIEC call report.
Where is Community Bank headquartered?
It is headquartered in Bristow, OK, United States.
When was Community Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank?
Community Bank's primary federal regulator is the FDIC.
How many branches does Community Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank's Texas Ratio?
Its Texas Ratio is 8.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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