FNB Community Bank
Midwest City, OK · Cert 16127 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First Midwest Acquisition Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
$480.2MAssets
$304.2MLoans
$430.3MDeposits
$46.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 92% of banks under $1B in assets in the Oklahoma City, OK area (rank 2 of 25).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets in the Oklahoma City, OK area (rank 21 of 25).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.90%
Rank 14 of 25
Net Interest Margin
3.61%
Rank 17 of 25
Efficiency Ratio
75.39%
Rank 18 of 25
Equity / Assets
9.67%
Rank 15 of 25
Non-interest income vs. expense
Unfavorable gap of $13.0M · efficiency ratio beats 32% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.60% | 0.90% | 1.27% | Beats 44% | 14 / 25 | |
| Return on Equity | 9.31% | 6.92% | 9.16% | 13.29% | Beats 52% | 12 / 25 | |
| Net Interest Margin | 3.61% | 3.56% | 3.82% | 4.10% | Beats 32% | 17 / 25 | |
| Efficiency Ratio | 75.39% | 56.35% | 63.12% | 79.22% | Beats 32% | 18 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.35% | 0.33% | 0.76% | 2.35% | Beats 28% | 19 / 25 | |
| Net Charge-Offs / Loans | 0.17% | n/a | 0.00% | 0.05% | Beats 20% | 21 / 25 | |
| Capital |
| Tier 1 Capital Ratio | 16.09% | 10.27% | 12.02% | 13.99% | Beats 88% | 3 / 25 | |
| Total Risk-Based Capital Ratio | 17.35% | 10.27% | 12.44% | 15.25% | Beats 92% | 2 / 25 | |
| Equity / Assets | 9.67% | 8.64% | 10.07% | 11.05% | Beats 40% | 15 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 70.71% | 70.71% | 82.03% | 97.03% | 24th pctl | 19 / 25 | |
| Loans / Assets | 63.36% | 62.67% | 74.54% | 84.24% | 28th pctl | 18 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |