FNB Coweta: 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: 2.23 percentage points lower than in Q1 2026, at 59.50%. FNB Coweta ranks 28th of 169 Oklahoma banks on return on assets, in the upper half at 2.16% (Q2 2026). FNB Coweta's return on assets of 2.16% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.91 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.17% |
| Equity capital to assets | 9.22% |
| Tangible equity to tangible assets | 9.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.75% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.16% |
| Return on equity | 23.34% |
| Net interest margin | 4.52% |
| Efficiency ratio | 50.80% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.50% |
| Core deposits to total deposits | 88.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.54% |
| Securities to assets | 32.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.03% | 0.88% | 3.73% | 0.84% | 0.00% |
| Q4 2023 | 9.06% | 2.12% | 3.84% | 0.81% | 0.05% |
| Q1 2024 | 9.48% | 1.33% | 3.82% | 0.78% | 0.00% |
| Q2 2024 | 10.07% | 1.67% | 3.60% | 0.80% | -0.01% |
| Q3 2024 | 10.38% | 1.61% | 3.73% | 0.73% | -2.66% |
| Q4 2024 | 9.90% | 1.46% | 4.28% | 0.65% | -1.10% |
| Q1 2025 | 10.19% | 1.77% | 4.48% | 0.61% | -0.04% |
| Q2 2025 | 10.51% | 2.30% | 4.40% | 0.61% | 0.00% |
| Q3 2025 | 10.67% | 2.45% | 4.42% | 0.00% | 0.00% |
| Q4 2025 | 9.95% | 1.25% | 4.53% | 0.00% | 0.14% |
| Q1 2026 | 10.60% | 2.24% | 4.41% | 0.00% | 0.03% |
| Q2 2026 | 11.17% | 2.16% | 4.52% | 0.00% | -0.02% |
FNB Coweta vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Coweta, 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 Coweta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4071) · FFIEC NIC profile (RSSD 61953)