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FNB Community Bank

$100M-$1B Specialty: Commercial OK FDIC cert 16127

Midwest City, OK

7 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

FNB Community Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.84% above tier average
  • - Nonperforming Asset Ratio 1.49% above tier average
  • - ROA 0.27% below tier average
  • - Net Interest Margin 0.11% below tier average
  • - Efficiency Ratio 11.33% above tier average
Get updates when FNB Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $496.3M
+2.9% YoY +4.4% QoQ
+$110.2M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
72%
Total Loans ? $280.2M
+5.9% YoY +1.7% QoQ
+$24.5M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
64%
Total Deposits ? $446.3M
+2.0% YoY +4.7% QoQ
+$118.3M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
75%
Return on Assets ? 1.00%
+45.6% YoY +35.9% QoQ
-0.27% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
38%
Net Interest Margin ? 3.82%
+7.9% YoY +5.4% QoQ
-0.11% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
48%
Efficiency Ratio ? 76.61%
-6.1% YoY -1.5% QoQ
+11.33% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
20%
Delinquency Rate ? 2.73%
-2.7% YoY -20.8% QoQ
+1.84% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
Bottom 6.9% in tier
Loan-to-Deposit Ratio ? 62.78%
+3.8% YoY -2.9% QoQ
-13.86% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
78%
Non-Interest-Bearing Deposit Share ? 26.48%
+2.0% YoY -0.9% QoQ
+4.46% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
72%
Nonperforming Asset Ratio ? 2.13%
+21.7% YoY -2.9% QoQ
+1.49% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
Bottom 5.9% in tier
Tier 1 Capital Ratio ? 17.35%
-7.5% YoY +1.0% QoQ
+1.52% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
78%
Non-Interest Income / Assets ? 0.13%
+16.3% YoY -77.4% QoQ
-0.15% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
66%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

574
Tier 1 Capital Ratio
capital
Value: 17.35%
Peer Median: 15.83%
#574 of 2664 Top 21.5% in $100M-$1B
594
Loan-to-Deposit Ratio
liquidity
Value: 62.78%
Peer Median: 76.64%
#594 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (3 metrics)

2508
Nonperforming Asset Ratio
credit_quality
Value: 2.13%
Peer Median: 0.64%
#2508 of 2664 Bottom 5.9% in $100M-$1B
2472
Delinquency Rate
credit_quality
Value: 2.73%
Peer Median: 0.89%
#2472 of 2654 Bottom 6.9% in $100M-$1B
2136
Efficiency Ratio
profitability
Value: 76.61%
Peer Median: 65.29%
#2136 of 2664 Bottom 19.9% in $100M-$1B
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