FNB Coweta
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Data as of · sourced from FFIEC call reports. How we update
FNB Coweta is an FDIC-insured commercial bank headquartered in Coweta, OK, established in 1903 (FDIC certificate 4071), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $127.8M, up 8.0% from Q2 2025, the 120th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4071
- Headquarters
- Coweta, OK
- Established
- 1903
- Total assets, Q2 2026
- $127.8M
- Assets vs Q2 2025
- +8.0%
- Tier 1 leverage ratio, Q2 2026
- 11.17%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103103600
- Latest call report
- Q2 2026, FFIEC 051 · FNB Coweta call report
- Holding company
- FIRST COWETA CORPORATION
- Asset rank in state
- 120th of 169 in Oklahoma
FNB Coweta is one of the more profitable banks of its size. The Coweta, Oklahoma bank had $128 million in assets at June 30, 2026, up 8.0% from a year earlier. It returns 23.3% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.61%. The commercial and industrial book ($12 million) is worsening: 2.29% of it is past due or on nonaccrual, up from 0.55% a year earlier.
As of June 30, 2026, FNB Coweta reported a return on assets of 2.16%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, FNB Coweta is the 120th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $127.8M, loans fell 1.8% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 22.1% of total loans, ahead of commercial and industrial loans at 18.0%. Its one office in the FDIC Summary of Deposits is in Coweta, OK. Judged on its Q2 2026 call report, FNB Coweta meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 S Broadway, Coweta, OK 74429
- County
- Wagoner
- Metro Area
- Tulsa, 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 051
- Established
- January 1, 1903
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $115.7M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $123.6M
- Average total loans
- $71.1M
- Average interest-bearing deposits
- $83.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4071
- Fed RSSD
- 61953
- Website
- FNBCOWETA.COM →
- Parent Holding Company
- FIRST COWETA CORPORATION (RSSD 1063329)
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, FNB Coweta reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, FNB Coweta's total assets ran between $107.4M (Q2 2024) and $127.8M (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
$127.8M total assets against $118.4M; $116.0M total liabilities against $108.7M.
$67.6M net loans and leases against $61.9M; $115.7M total deposits against $108.4M.
$41.8M securities against $44.9M; $16.5M cash and balances due against $9.6M.
$1.7M total interest income against $1.5M; $320K total interest expense against $321K.
$1.4M net interest income against $1.2M.
$110K total noninterest income against $189K; $763K total noninterest expense against $685K.
$60K provision for credit losses against $45K.
$666K net income against $675K.
2.16% return on assets against 2.30%; 4.52% net interest margin against 4.40%.
11.17% tier 1 leverage ratio against 10.51%.
Inside the full FNB Coweta terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFNB Coweta rankings
Its closest position to the top of a national ranking is 346 of 3,611, for ROA; its furthest is 3,606 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.25% (Q4 2025) to 2.45% (Q3 2025) and its net interest margin ran from 3.73% (Q3 2024) to 4.53% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.17% | 2.16% | 0.00% | 0.00% | 4.52% |
| Q1 2026 | 10.60% | 2.24% | 0.00% | 0.00% | 4.41% |
| Q4 2025 | 9.95% | 1.25% | 0.00% | 0.00% | 4.53% |
| Q3 2025 | 10.67% | 2.45% | 0.00% | 0.00% | 4.42% |
| Q2 2025 | 10.51% | 2.30% | 0.61% | 3.60% | 4.40% |
| Q1 2025 | 10.19% | 1.77% | 0.61% | 3.87% | 4.48% |
| Q4 2024 | 9.90% | 1.46% | 0.65% | 4.29% | 4.28% |
| Q3 2024 | 10.38% | 1.61% | 0.73% | 3.87% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Coweta (main office) | Coweta , OK | 74429 | $115.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 131 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $133K approved, $66K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 FNB Coweta
What are FNB Coweta's total assets?
As of the Q2 2026 filing, FNB Coweta reported total assets of $127.8 million in its FFIEC call report.
Where is FNB Coweta headquartered?
It is headquartered in Coweta, OK, United States.
When was FNB Coweta founded?
It was established in 1903, per the FDIC institution directory.
Is FNB Coweta FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4071). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Coweta?
FNB Coweta's primary federal regulator is the Federal Reserve.
How many branches does FNB Coweta 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 FNB Coweta's Texas Ratio?
Its Texas Ratio is 0.00% 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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