The Peoples National Bank of Checotah
Also written as PNB of Checotah
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Data as of · sourced from FFIEC call reports. How we update
The Peoples National Bank of Checotah is an FDIC-insured commercial bank headquartered in Checotah, OK, established in 1911 (FDIC certificate 4059), and it is supervised by the OCC. At Q2 2026 it reported total assets of $171.8M, up 2.5% from Q2 2025, the 108th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 43.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4059
- Headquarters
- Checotah, OK
- Established
- 1911
- Total assets, Q2 2026
- $171.8M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 43.68%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103109264
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples National Bank of Checotah Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- PEOPLES NATIONAL BANCSHARES OF CHECOTAH, INC.
- Asset rank in state
- 108th of 169 in Oklahoma
The Peoples National Bank of Checotah carries far more capital than most banks of its size. Based in Checotah, Oklahoma, it had $172 million in assets at June 30, 2026, up 2.5% from a year earlier. It holds common equity equal to 43.68% of its risk-weighted assets, about triple the median of 15.11% for the 2,627 banks with $100 million to $1 billion in assets. It also shrank its loan book 0.7% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $662,000, 32% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.53% of loans from 0.32% a year earlier.
As of June 30, 2026, The Peoples National Bank of Checotah reported a CET1 capital ratio of 43.68%, a return on assets of 1.52%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 0.85%. The figures come from its call report filed with the FFIEC.
The Peoples National Bank of Checotah ranks as the 108th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $171.8M, loans rose 0.1% and deposits fell 0.3%. 1-4 family residential loans made up 32.0% of its total loans on June 30, 2026, its largest category; next came auto loans at 24.0%. Its 3 offices in the FDIC Summary of Deposits are in Checotah, OK. On its Q2 2026 call report, The Peoples National Bank of Checotah meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 W Gentry Ave, Checotah, OK 74426
- County
- Mcintosh
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $139.3M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $173.9M
- Average total loans
- $46.1M
- Average interest-bearing deposits
- $99.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4059
- Fed RSSD
- 942454
- Website
- http://www.peoplesok.com/ →
- Parent Holding Company
- PEOPLES NATIONAL BANCSHARES OF CHECOTAH, INC. (RSSD 1066852)
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
Over the 12 quarters to Q2 2026, The Peoples National Bank of Checotah's total assets ran between $161.1M (Q4 2024) and $172.5M (Q1 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
$171.8M total assets against $167.7M; $144.4M total liabilities against $141.6M.
$44.9M net loans and leases against $45.3M; $139.3M total deposits against $136.6M.
$98.8M securities against $94.7M; $19.8M cash and balances due against $19.5M.
$1.9M total interest income against $1.8M; $545K total interest expense against $576K.
$1.4M net interest income against $1.2M.
$338K total noninterest income against $330K; $1.0M total noninterest expense against $1.0M.
$0 provision for credit losses against $0.
$662K net income against $503K.
1.52% return on assets against 1.18%; 3.51% net interest margin against 3.15%.
43.68% CET1 capital ratio against 42.52%; 16.05% tier 1 leverage ratio against 15.72%.
Inside the full The Peoples National Bank of Checotah terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples National Bank of Checotah rankings
Its closest position to the top of a national ranking is 12 of 2,134, for CET1 ratio; its furthest is 2,762 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.80% (Q4 2024) to 1.52% (Q2 2026) and its net interest margin ran from 2.74% (Q3 2024) to 3.51% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 43.68% | 1.52% | 0.53% | 0.85% | 3.51% |
| Q1 2026 | 43.31% | 1.34% | 0.29% | 0.46% | 3.34% |
| Q4 2025 | 42.98% | 1.23% | 0.40% | 0.65% | 3.35% |
| Q3 2025 | 42.79% | 1.34% | 0.23% | 0.38% | 3.31% |
| Q2 2025 | 42.52% | 1.18% | 0.32% | 0.55% | 3.15% |
| Q1 2025 | 41.70% | 1.10% | 0.21% | 0.37% | 3.04% |
| Q4 2024 | 42.33% | 0.80% | 0.46% | 0.85% | 2.90% |
| Q3 2024 | 42.54% | 0.96% | 0.39% | 0.69% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The Peoples National Bank of Checotah | Checotah , OK | 74426 | $139.3M |
| Drive-In Branch | Checotah , OK | 74426 | $0 |
| Wal-Mart Branch | Checotah , OK | 74426 | $0 |
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 |
|---|---|---|---|
| May 12, 1990 | Structure Change | Acquired Cross Roads Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 11, 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.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action April 3, 1997. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OK, rank 126 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $327K approved, $327K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The Peoples National Bank of Checotah
What are The Peoples National Bank of Checotah's total assets?
As of the Q2 2026 filing, The Peoples National Bank of Checotah reported total assets of $171.8 million in its FFIEC call report.
Where is The Peoples National Bank of Checotah headquartered?
It is headquartered in Checotah, OK, United States.
When was The Peoples National Bank of Checotah founded?
It was established in 1911, per the FDIC institution directory.
Is The Peoples National Bank of Checotah FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples National Bank of Checotah?
The Peoples National Bank of Checotah's primary federal regulator is the OCC.
What is The Peoples National Bank of Checotah's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 43.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Peoples National Bank of Checotah operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples National Bank of Checotah's Texas Ratio?
Its Texas Ratio is 0.85% 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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