FNB Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.58 percentage points higher than in Q1 2026, at 70.71%. FNB Community Bank ranks 102nd of 169 Oklahoma banks on return on assets, in the lower half at 1.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; FNB Community Bank reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.09% |
| Tier 1 risk-based capital ratio | 16.09% |
| Total risk-based capital ratio | 17.35% |
| Tier 1 leverage ratio | 10.54% |
| Equity capital to assets | 9.67% |
| Tangible equity to tangible assets | 9.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.36% |
| Non-performing assets ratio | 2.10% |
| Net charge-off ratio | 0.71% |
| Texas ratio | 19.47% |
| Allowance for credit losses to loans | 1.84% |
| Reserve coverage of non-performing loans | 77.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 13.21% |
| Net interest margin | 3.98% |
| Efficiency ratio | 73.83% |
| Yield on earning assets | 4.76% |
| Cost of funds | 0.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.71% |
| Core deposits to total deposits | 97.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.60% |
| Securities to assets | 27.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.11% | 16.11% | 17.37% | 9.68% | 0.74% |
| Q4 2023 | 16.00% | 16.00% | 17.26% | 9.79% | 0.63% |
| Q1 2024 | 16.53% | 16.53% | 17.79% | 9.50% | 0.10% |
| Q2 2024 | 16.34% | 16.34% | 17.61% | 9.22% | 0.77% |
| Q3 2024 | 16.95% | 16.95% | 18.21% | 9.93% | 0.93% |
| Q4 2024 | 17.46% | 17.46% | 18.73% | 10.89% | 0.97% |
| Q1 2025 | 18.75% | 18.75% | 20.01% | 10.62% | 0.65% |
| Q2 2025 | 18.07% | 18.07% | 19.33% | 10.54% | 0.81% |
| Q3 2025 | 17.83% | 17.83% | 19.10% | 10.64% | 0.72% |
| Q4 2025 | 17.17% | 17.17% | 18.43% | 10.72% | 0.67% |
| Q1 2026 | 17.35% | 17.35% | 18.61% | 10.48% | 0.97% |
| Q2 2026 | 16.09% | 16.09% | 17.35% | 10.54% | 1.22% |
FNB Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16127) · FFIEC NIC profile (RSSD 839255)