$496M
+2.9%y/y
Percentile by value48th percentileby value
FDIC
ASSETFC
FNB Community Bank
Midwest City, OklahomaFDIC Cert #16127
STATEEstablished 19437 branches
Holding company: FIRST MIDWEST ACQUISITION CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFNB Community Bank reported $496M in total assets. Deposits grew 2.04% over the prior year.
Return on assets was 1.00%, compared with an asset-peer median of 1.22%. The leverage ratio was 10.48%.
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is CRE Concentration to Capital above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$446M
+2.0%y/y
Percentile by value53rd percentileby value
FDIC
DEP$280M
+5.9%y/y
Percentile by value34th percentileby value
FDIC
LNLSNET1.00%
+31 bpsy/y
Peer standing35th percentile
FDIC
NETINC + ROA76.61%
−502 bpsy/y
Peer standing17th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.48%
−14 bpsy/y
Peer standing47th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $570M | $496M |
| Q3 2021 | $571M | $494M |
| Q4 2021 | $575M | $501M |
| Q1 2022 | $622M | $558M |
| Q2 2022 | $542M | $493M |
| Q3 2022 | $529M | $482M |
| Q4 2022 | $522M | $470M |
| Q1 2023 | $533M | $481M |
| Q2 2023 | $519M | $450M |
| Q3 2023 | $495M | $415M |
| Q4 2023 | $508M | $426M |
| Q1 2024 | $515M | $430M |
| Q2 2024 | $509M | $418M |
| Q3 2024 | $464M | $400M |
| Q4 2024 | $447M | $403M |
| Q1 2025 | $482M | $437M |
| Q2 2025 | $474M | $428M |
| Q3 2025 | $471M | $423M |
| Q4 2025 | $475M | $426M |
| Q1 2026 | $496M | $446M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $39.2M |
| Investor CRE | $88.7M |
| Multifamily | $2.29M |
| Construction | $35.3M |
| 1–4 family | $56.2M |
| C&I | $39.9M |
| Agriculture | $333K |
| Other | $24.4M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.00%35th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE10.58%40th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.82%49th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR76.61%17th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+2.04%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+5.92%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.67%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ10.48%47th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.15%97th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC223%70th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.00%28th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.41%90th 2.27%Observations 173
ROE
FDIC
NETINC + ROE10.58%37th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.25%Median 13.17%90th 21.34%Observations 173
NIM
FDIC
NIM + NIMY3.82%31st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 4.15%90th 5.26%Observations 173
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR76.61%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.22%Median 61.79%90th 86.32%Observations 173
Deposits YoY
FDIC
DEP+2.04%38th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.24%Median +3.73%90th +13.48%Observations 172
Loans YoY
FDIC
LNLSNET+5.92%53rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.68%Median +5.17%90th +21.90%Observations 172
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.67%19th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.66%90th 3.87%Observations 172
Leverage
FDIC
RBC1AAJ10.48%44th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.08%Median 10.86%90th 15.50%Observations 173
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.15%95th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.47%Median 2.46%90th 3.48%Observations 172
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC223%66th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 38%Median 172%90th 290%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.00%26th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.72%Median 1.39%90th 2.28%Observations 58
ROE
FDIC
NETINC + ROE10.58%35th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.89%Median 13.48%90th 20.15%Observations 58
NIM
FDIC
NIM + NIMY3.82%28th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.48%Median 4.15%90th 4.87%Observations 58
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR76.61%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.23%Median 63.86%90th 82.43%Observations 58
Deposits YoY
FDIC
DEP+2.04%35th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.63%Median +4.78%90th +13.88%Observations 58
Loans YoY
FDIC
LNLSNET+5.92%53rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.96%Median +5.37%90th +17.82%Observations 58
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.67%9th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.59%90th 2.61%Observations 58
Leverage
FDIC
RBC1AAJ10.48%47th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.13%Median 10.59%90th 14.20%Observations 58
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.15%98th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.80%Median 2.68%90th 3.60%Observations 58
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC223%59th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 128%Median 203%90th 298%Observations 35
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 7 branches
- Headquarters
- Midwest City, OK
FDIC
OFFDOMOpen the Oklahoma dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data