FNB Community Bank
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Data as of · sourced from FFIEC call reports. How we update
FNB Community Bank is an FDIC-insured commercial bank headquartered in Midwest City, OK, established in 1943 (FDIC certificate 16127), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $480.2M, up 1.3% from Q2 2025, the 54th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 16.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16127
- Headquarters
- Midwest City, OK
- Established
- 1943
- Total assets, Q2 2026
- $480.2M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 16.09%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 103012843
- Holding company
- FIRST MIDWEST ACQUISITION CORPORATION
- Asset rank in state
- 54th of 169 in Oklahoma
FNB Community Bank, based in Midwest City, Oklahoma, reported $480 million in assets at June 30, 2026, up 1.3% from a year earlier. It pays an average of 0.83% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 19.4% of the capital and reserves that would absorb them, 7.3 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 56% above the same quarter a year earlier. Over the same year, loans grew 14.0% and deposits grew 0.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, FNB Community Bank reported a CET1 capital ratio of 16.09%, a return on assets of 1.22%, a nonperforming-loan ratio of 2.35% and a Texas ratio of 19.39%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, FNB Community Bank is the 54th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.2% to $480.2M, loans rose 6.3% and deposits fell 3.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 31.6% of total loans, followed by 1-4 family residential loans at 19.1%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in OK; its Midwest City 2 offices book 68% of its branch deposits. Judged on its Q2 2026 call report, FNB Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2911 S Air Depot Blvd, Midwest City, OK 73110
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 1, 1943
- Former names
- First National Bank (1998-2012); The First National Bank of Midwest City (1971-1998)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 95
- Domestic deposits
- $430.3M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- $521K
- Average total assets
- $501.6M
- Average total loans
- $294.2M
- Average interest-bearing deposits
- $324.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 4, 1944
- FDIC Cert
- 16127
- Fed RSSD
- 839255
- SEC CIK
- 1181497 → filed by FIRST MIDWEST ACQUISITION CORPORATION
- Website
- www.fnbmwc.com →
- Parent Holding Company
- FIRST MIDWEST ACQUISITION CORPORATION (RSSD 1063619)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, FNB Community Bank's total assets ranged from $447.2M (Q4 2024) to $515.0M (Q1 2024), 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
$480.2M total assets against $474.1M; $433.8M total liabilities against $431.5M.
$298.7M net loans and leases against $261.1M; $430.3M total deposits against $428.4M.
$132.4M securities against $134.0M; $23.8M cash and balances due against $67.0M.
$5.6M total interest income against $5.3M; $920K total interest expense against $1.2M.
$4.7M net interest income against $4.1M.
$765K total noninterest income against $595K; $4.1M total noninterest expense against $3.6M.
-$129K provision for credit losses against $65K.
$1.5M net income against $986K.
1.22% return on assets against 0.81%; 3.98% net interest margin against 3.47%.
16.09% CET1 capital ratio against 18.07%; 10.54% tier 1 leverage ratio against 10.54%.
Inside the full FNB 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.
FNB Community Bank rankings
Its closest position to the top of a national ranking is 184 of 3,640, for Texas Ratio; its furthest is 2,986 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q1 2025) to 1.22% (Q2 2026) and its net interest margin ran from 3.33% (Q3 2024) to 3.98% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.09% | 1.22% | 2.35% | 19.39% | 3.98% |
| Q1 2026 | 17.35% | 0.97% | 2.67% | 20.12% | 3.65% |
| Q4 2025 | 17.17% | 0.67% | 3.38% | 20.35% | 3.59% |
| Q3 2025 | 17.83% | 0.72% | 3.32% | 19.89% | 3.52% |
| Q2 2025 | 18.07% | 0.81% | 3.04% | 18.90% | 3.47% |
| Q1 2025 | 18.75% | 0.65% | 2.75% | 17.69% | 3.34% |
| Q4 2024 | 17.46% | 0.97% | 3.01% | 20.48% | 3.45% |
| Q3 2024 | 16.95% | 0.93% | 3.67% | 23.94% | 3.33% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| FNB Community Bank (main office) | Midwest City , OK | 73110 | $249.7M |
| Del City Branch | Del City , OK | 73115 | $44.8M |
| Douglas Blvd Branch | Midwest City , OK | 73130 | $42.2M |
| Choctaw Branch | Choctaw , OK | 73020 | $29.1M |
| Tinker Afb Facility | Tinker Afb , OK | 73145 | $23.5M |
| Harrah Branch | Harrah , OK | 73045 | $22.0M |
| Moore Branch | Moore , OK | 73160 | $19.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 15, 1990 | Structure Change | Acquired Exchange National Bank of Del City Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 14, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 58 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 198 applications, 135 loans originated, $21.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $945K approved, $472K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 FNB Community Bank
What are FNB Community Bank's total assets?
As of the Q2 2026 filing, FNB Community Bank reported total assets of $480.2 million in its FFIEC call report.
Where is FNB Community Bank headquartered?
It is headquartered in Midwest City, OK, United States.
When was FNB Community Bank founded?
It was established in 1943, per the FDIC institution directory.
Is FNB Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16127). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Community Bank?
FNB Community Bank's primary federal regulator is the Federal Reserve.
What is FNB Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does FNB Community Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Community Bank's Texas Ratio?
Its Texas Ratio is 19.39% 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.
What was FNB Community Bank previously called?
The charter now named FNB Community Bank has also operated as First National Bank (1998-2012), The First National Bank of Midwest City (1971-1998), per FDIC structure-change records.
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