# FNB COMMUNITY BANK
MIDWEST CITY, OK · FDIC certificate 16127 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $480.2M | |
| Deposits | $430.3M | |
| Loans and leases | $304.2M | |
| Total equity | $46.4M | |
| Loans / deposits | 69.41% (p25 of band) | 82.04% |
| Liquid assets / assets | 32.53% (p70 of band) | |
| Uninsured deposits / deposits | 30.68% (p68 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.54% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -14.24% (p33 of band) | -8.10% |
| AOCI / equity | -0.50% (p42 of band) | |
| ROA (annualized) | 1.14% (p41 of band) | 1.28% |
| Net interest margin | 4.03% (p56 of band) | 3.91% |
| Efficiency ratio | 75.39% (p83 of band) | |
| Noncurrent loans | 2.35% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | 0.22% (p92 of band) | |
| Reserve coverage of noncurrent | 78.17% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 104.42% (p88 of band) | |
| Auto loans | $11.3M (3.71% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $2.4M (5% of equity) (p94 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 95 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, expense ratio p90 |  |
| 2016-06 | 0 |  | capital falling, expense ratio p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | expense ratio p90 |  |
| 2021-03 | 1 | capital falling | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 6 | noncurrent p90, deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 |  | AOCI drag >20% of equity |
| 2023-06 | 5 | capital falling | assets shrinking |
| 2023-09 | 5 | assets shrinking | capital falling |
| 2023-12 | 3 |  | noncurrent p90, assets shrinking |
| 2024-03 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 5 | capital falling | uninsured deposits leaving |
| 2024-09 | 3 | assets shrinking | securities losses >30% of equity, deposits shrinking, capital falling |
| 2024-12 | 5 | securities losses >30% of equity, deposits shrinking |  |
| 2025-03 | 4 | charge-offs p90 | securities losses >30% of equity, deposits shrinking |
| 2025-06 | 5 | capital falling |  |
| 2025-09 | 3 |  | assets shrinking, capital falling |
| 2025-12 | 2 |  | charge-offs p90 |
| 2026-03 | 2 |  |  |
| 2026-06 | 4 | charge-offs p90, construction >100% equity |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-04-29 [Banks bid for viral fame with videos and influencers on Instagram - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxPWVZpTWpRNm1hQUpuV25LazNvRVhsNDc1M2FHamJmS1hRSVJXT1pNV0huSlNGbjV6bXlMZ3FIQ25LanNhUEk0c3RSQ1p1T19zY1BEUW9SbC1nbnNnVUlYTjZHcFdJbTlMRkZLNnlQdDZILUd1WnFWZkRBa2tzaXNQNklENFpRQmlJTzRpb0J0MUk4Tk4tQ2xMQVgwWGJ4VEViNjlV?oc=5) · American Banker
- 2025-03-05 [The FNB Community Bank Welcomes Paige Lowe as Human Resources Manager - leaderunion.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQNkxjMHBmcjUzWEV0TjJ3Sk9iUDl1WnhxV0pabDFXdmJyVEFTVmN0R1VZMVpOS3lZQjgweHh4dFVZTEhQNXdoY2l2N3d2SmNBRlBkM1kyNlBfaGQ5Sm1NallIZlVkZlBPRkJQYnpVbTQxU1pEajlqRzF2UWVWMEVwSDVhT1RrVXRuOS1RZ0ZVWkxFRmViUll6amVnT2NWXzZuXzloaElxZ0VkUTBVWFE?oc=5) · leaderunion.com
- 2025-07-01 [Harrah bank heist lands Arkansas man in prison for 10 years - Oklahoma City Free Press](https://news.google.com/rss/articles/CBMijgFBVV95cUxPZHBvVkx0NVJEcGRUZklGQldDblMzU1BkM3V0SmtUS0VaRXZXMktFUDdmMEJpQmhiVEpiYlpIczNUTGY2WGJXNTkyZDJJeHQzSWtTVUtJX01qcm54clB1LTBsanFROTdyMzR5bTltOGJINHY0VnlBRlJWSkFrWWpPdWROVmh6VTZ4YkpmcGJ3?oc=5) · Oklahoma City Free Press
- 2025-07-08 [Six years in prison and $5.38M in restitution: Was embezzlement from bank worth it? - southwestledger.news](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOR21pQzdsNzFldFUwOXFGNFBZQlZ2MHEwcy1OOTE0UkpoeHlHeUNPWVdtRnFiV1JRRS1XRlJqNTR0TnBIN2FxMms3OXpXQ2pGclpxaGRvU3VZbU5yMHFPcUd1MEIwZm16eGw0R0luLXJkNG9PeFVuQmJKSXByMHVicEVpRmNIQ0N1VXpMRVVRd3Buc3VseHNCblU5U0dTS2k3M2d0bFRuSjN6QQ?oc=5) · southwestledger.news
- 2024-12-13 [Ed Porter Obituary Dec 13, 2024 - Smith & Kernke Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBFcWhhajJBTWR5REluWi1IQTBPY2hyQlRHdXJXazRWaGNsQnoxSWhXY2Q1bWx5d2ZrZmd4d0lkWE1ORzYycEZhdXJac3JBSTlNZUh6N3dWYnZyM0ZBdXgtVg?oc=5) · Smith & Kernke Funeral Homes & Crematory
- 2015-09-21 [Oklahoma business news briefs - The Oklahoman](https://news.google.com/rss/articles/CBMiogFBVV95cUxOOWlzUGZSaEdhR2xVc3RKcXdmNVp2MVFYNjVMelhKamUtak14SThFcUczZ09zNmpDY1QyV2xyWFlzTkJVbFhkY3R4Q1loYVN1M1VJZG1lcHlCUXdWQUozR3Y5dmVUVjBGbEMxWTNkRS1MSzZzNm1UeDVXdEhwTEU5ZWNfc25ISDJqNEZfQXRtNllETS1MaTAzc1FONUtua3Axanc?oc=5) · The Oklahoman
- 2025-07-01 [Felon with Arkansas convictions gets 10 years in federal prison for Oklahoma bank robbery - River Valley Democrat-Gazette](https://news.google.com/rss/articles/CBMirgFBVV95cUxQUzZBRjZKVW44LUoxT3d4bTFZaW5DTVdhbTR5Wl9KQW1JT08zeFVia2hwUUE2YXpFb1hQS3pMbUgwbWdtQWxfcmw1WGlIVjExWTdDYzlVeWJHZl9oQjQxb1hwdEJNYm54VkxUV3hjek5yTHhVWExDaFN3YjlUQktuQ2hfQXRwMncydDJScXlFOUtiNzd3Q2dnU0QxUy1Ba21BMTg5ZlhSWGNLWDVfb2c?oc=5) · River Valley Democrat-Gazette
- 2025-06-18 [Knebel Hired as Commercial Loan Officer - leaderunion.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQeVlGNTE0UTFNcUx5VFdPcG1wV1BnbnBDZFpyd2dURUlBaXlEdDF4dTRiM0pBUVViVDdObjdITW1meTdsdHpudmwxbjFiY011X2lXanA4WmxnSXFpand6a2lYdzB4VmctRlpva0dfZTVUTW8xMi1BTTBmdm5mSE5BNzN4UWJBUQ?oc=5) · leaderunion.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16127 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "16127", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide