First National Bank of Midwest City (OK)

First National Bank of Midwest City (OK) is headquartered in Midwest City and is the 26^th largest bank in the state of Oklahoma. It is also the 1,436^th largest bank in the nation. It was established in 1943 and as of March of 2013, it had grown to 114 employees at 8 locations. First National Bank of Midwest City (OK) has a 5-star health rating.

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Data for Q1 2013

Institution Statistics FNB Community Bank FDIC Certificate # 16127 BankRate Report View Year Established 1943 Employees 114 Primary Regulator FED Assets and Liabilities Assets $463.92 million Loans $148.32 million Deposits $400.94 million Equity Capital $51.51 million Loan Loss Allowance $1.54 million Unbacked Noncurrent Loans $700,000 Real Estate Owned $266,000 Historic Data - March 2012 Assets $470.75 million Equity Capital $51.51 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $639,000 Profit Margin - Quarterly Net Interest Margin 2.65% Return on Assets 0.49% Return on Equity 4.38% Interest Income $3.54 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 First National Bank of Midwest City (OK) had $966,000 in non-current loans and owned real-estate with $53.05 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Midwest City (OK) a Texas Ratio of 1.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank of Midwest City (OK) held steady from 1.19% as of March 31, 2012 to 1.82% as of March 31, 2013, resulting in a negative change of 52.50%. This indicates that the balance sheet and financial strength for First National Bank of Midwest City (OK) has held steady in recent periods. Deposit Growth In the past year, First National Bank of Midwest City (OK) has decreased its total deposits by -$3.89 million, resulting in -0.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Midwest City (OK) has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Midwest City (OK) has $463.92 million in assets with $53.05 million in equity, resulting in a capitalization level of 11.44%, which is above average.