The Peoples National Bank of Checotah: 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 Reserve coverage of non-performing loans: 473.28 percentage points lower than in Q1 2026, at 508.61%. The Peoples National Bank of Checotah ranks 78th of 169 Oklahoma banks on return on assets, in the upper half at 1.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Peoples National Bank of Checotah sits 0.27 points higher, at 1.52% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 43.68% |
| Tier 1 risk-based capital ratio | 43.68% |
| Total risk-based capital ratio | 44.94% |
| Tier 1 leverage ratio | 16.05% |
| Equity capital to assets | 15.98% |
| Tangible equity to tangible assets | 15.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.85% |
| Allowance for credit losses to loans | 2.69% |
| Reserve coverage of non-performing loans | 508.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 9.60% |
| Net interest margin | 3.51% |
| Efficiency ratio | 59.22% |
| Yield on earning assets | 4.84% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 33.10% |
| Core deposits to total deposits | 88.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.05% |
| Securities to assets | 57.47% |
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 | 40.58% | 40.58% | 41.84% | 15.82% | 1.00% |
| Q4 2023 | 40.51% | 40.51% | 41.76% | 15.78% | 1.08% |
| Q1 2024 | 40.04% | 40.04% | 41.30% | 15.55% | 1.13% |
| Q2 2024 | 41.06% | 41.06% | 42.31% | 15.66% | 1.03% |
| Q3 2024 | 42.54% | 42.54% | 43.80% | 16.23% | 0.96% |
| Q4 2024 | 42.33% | 42.33% | 43.58% | 16.08% | 0.80% |
| Q1 2025 | 41.70% | 41.70% | 42.95% | 15.82% | 1.10% |
| Q2 2025 | 42.52% | 42.52% | 43.77% | 15.72% | 1.18% |
| Q3 2025 | 42.79% | 42.79% | 44.04% | 16.27% | 1.34% |
| Q4 2025 | 42.98% | 42.98% | 44.24% | 16.11% | 1.23% |
| Q1 2026 | 43.31% | 43.31% | 44.57% | 15.99% | 1.34% |
| Q2 2026 | 43.68% | 43.68% | 44.94% | 16.05% | 1.52% |
The Peoples National Bank of Checotah vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples National Bank of Checotah, 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 The Peoples National Bank of Checotah profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4059) · FFIEC NIC profile (RSSD 942454)