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The Peoples National Bank of Checotah

$100M-$1B Specialty: Other OK FDIC cert 4059

Checotah, OK

3 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +2.0% year over year ($139.3M on the books).
  • Delinquency rate 0.54%.
  • Return on assets 1.45%.
  • Efficiency ratio 62.18% vs a 64.48% peer average.
  • Loan-to-deposit ratio 32.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

The Peoples National Bank of Checotah has 3 strengths but faces 2 concerns

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

  • + ROA 0.12% above tier average
  • + Efficiency Ratio 2.30% below tier average
  • + Delinquency Rate 0.37% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 39.3% in tier
  • - Net Interest Margin 0.66% below tier average
Get updates when The Peoples National Bank of Checotah releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $171.8M
+2.5% YoY -0.4% QoQ
-$214.7M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $44.9M
-0.9% YoY +0.1% QoQ
-$213.5M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Bottom 2.1% in tier
Total Deposits ? $139.3M
+2.0% YoY -0.3% QoQ
-$187.5M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 1.45%
+25.2% YoY +7.3% QoQ
+0.12% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.33%
+8.7% YoY +3.1% QoQ
-0.66% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 62.18%
-7.7% YoY -2.4% QoQ
-2.30% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.54%
+64.2% YoY +83.3% QoQ
-0.37% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 32.21%
-2.8% YoY +0.5% QoQ
-45.75% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Top 2.0% in tier
Non-Interest-Bearing Deposit Share ? 29.58%
-3.9% YoY -1.0% QoQ
+7.55% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.14%
+58.7% YoY +84.2% QoQ
-0.53% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 43.68%
+2.7% YoY +0.9% QoQ
+27.77% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Top 1.3% in tier
Non-Interest Income / Assets ? 0.39%
+1.1% YoY +104.2% QoQ
-0.18% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 29.6%
-1.2pp YoY
-0.3pp QoQ
 +7.4pp 22.1% 23.9% 22.2% 81%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 4.9%
-1.5pp YoY
-0.4pp QoQ
 -6.7pp 11.6% 15.7% 12.5% 19%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 32.9%
+0.1pp YoY
-0.2pp QoQ
 +0.3pp 32.6% 24.0% 31.3% 58%
Consumer 33.4%
-1.7pp YoY
-0.6pp QoQ
 +29.3pp 4.1% 5.6% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 43.7%
+1.2pp YoY
+0.4pp QoQ
 +24.9pp 18.8% 17.0% 19.7% 98%
Leverage Ratio 16.1%
+0.3pp YoY
+0.1pp QoQ
 +3.9pp 12.2% 11.7% 12.6% 90%
Total Capital Ratio 44.9%
+1.2pp YoY
+0.4pp QoQ
 +25.0pp 19.9% 18.2% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 34
0 YoY
0 QoQ
 -25 58 150 482 33%
Assets per Employee ($) $5.1M
+2.5% YoY
-0.4% QoQ
 -$2.5M $7.5M $6.5M $8.8M 15%
Branch Count 3
0 YoY
0 QoQ
 -2 4 8 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 0.5%
+0.3pp YoY
+0.3pp QoQ
 -0.4pp 0.9% 1.5% 1.0% 55%
Allowance Coverage 5.09x
-33.6% YoY
-45.8% QoQ
 -19.07x 24.15x 61.99x 20.23x 71%
Net Charge-off Rate (YTD) 0.0%
+0.3pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 9.0%
+1.4pp YoY
+0.7pp QoQ
 -3.2pp 12.2% 11.9% 11.6% 31%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 27%
Net Income ($, YTD) $1.2M
+28.3% YoY
— QoQ
 -$1.3M $2.6M $8.7M $40.4M 34%

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 (1)

Credit Quality Pressure

risk
#495 of 1256 • Bottom 39.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.54%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

35
Tier 1 Capital Ratio
capital
Value: 43.68%
Peer Median: 15.91%
#35 of 2643 Top 1.3% in $100M-$1B
55
Loan-to-Deposit Ratio
liquidity
Value: 32.21%
Peer Median: 77.95%
#55 of 2643 Top 2.0% in $100M-$1B
427
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#427 of 2643 Top 16.1% in $100M-$1B
509
Non-Interest-Bearing Deposit Share
funding
Value: 29.58%
Peer Median: 22.03%
#509 of 2643 Top 19.2% in $100M-$1B

Top Weaknesses (4 metrics)

2589
Total Loans
size
Value: $44.86M
Peer Median: $258.35M
#2589 of 2643 Bottom 2.1% in $100M-$1B
2165
Total Deposits
size
Value: $139.28M
Peer Median: $326.73M
#2165 of 2643 Bottom 18.1% in $100M-$1B
2134
Total Assets
size
Value: $171.85M
Peer Median: $386.57M
#2134 of 2643 Bottom 19.3% in $100M-$1B
2100
Net Interest Margin
profitability
Value: 3.33%
Peer Median: 3.99%
#2100 of 2643 Bottom 20.6% in $100M-$1B
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