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2911 South Air Depot Boulevard
Midwest City, OK 73110

FNB Community Bank is headquartered in Midwest City and is the 28th largest bank in the state of Oklahoma. It is also the 1,489th largest bank in the nation. It was established in 1943 and as of March of 2014, it had grown to 112 employees at 8 locations. FNB Community Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 FNB Community Bank had $2.95 million in non-current loans and owned real-estate with $50.78 million in equity and loan loss allowances on hand to cover it. This gives FNB Community Bank a Texas Ratio of 5.80% 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 FNB Community Bank experienced no significant changes from 1.82% as of March 31, 2013 to 5.80% as of March 31, 2014, resulting in a negative change of 218.61%. This indicates that the balance sheet and financial strength for FNB Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, FNB Community Bank has decreased its total deposits by -$8.3 million, resulting in -2.07% 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 FNB Community Bank has shown is average.



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. FNB Community Bank has $451.34 million in assets with $50.78 million in equity, resulting in a capitalization level of 11.25%, which is excellent.

Institution Statistics

FDIC Certificate #16127
Year Established1943
Primary RegulatorFED
Assets and Liabilities
Assets$451.34 million
Loans$167.84 million
Deposits$392.65 million
Equity Capital$49.13 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$0
Historic Data - March 2013
Assets$463.92 million
Equity Capital$51.51 million
Loan Loss Allowance$1.54 million
Unbacked Noncurrent Loans$2.95 million
Real Estate Owned$266,000
Profit Margin - Quarterly
Net Interest Margin3.03%
Return on Assets0.77%
Return on Equity7.08%
Interest Income$3.70 million

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FNB Community Bank Savings Account Rates

0.25%--Looney Tunes Savings

FNB Community Bank Money Market Rates

0.30%$50k-Market Access Account

FNB Community Bank Checking Account Rates

1.25%-$25kRewards Checking - Qualifying
0.10%$500-Senior Opportunities
0.10%$1,500-NOW Checking
0.01%--Rewards Checking - Non Qualifying

FNB Community Bank CD Rates

0.40%$1k-48 Month CD
0.35%$1k-36 Month CD
0.30%$1k-30 Month CD
0.25%$1k-24 Month CD
0.20%$1k-18 Month CD
0.15%$1k-12 Month CD
0.10%$1k-6 Month CD
0.08%$1k-3 Month CD

FNB Community Bank Locations
Douglas Blvd Branch1213 Douglas BlvdMidwest City, OK 73130
Choctaw Branch16365 N.E. 23rd StreetChoctaw, OK 73020
Harrah Branch20941 Se 29thHarrah, OK 73045
Fnb Community Bank2911 South Air Depot BoulevardMidwest City, OK 73110
Del City Branch4330 S.E. 29th StreetDel City, OK 73115
Moore Branch604 South Classen Avenue, Suite GMoore, OK 73160
Tinker BranchBldg 3001, Area CTinker Afb, OK 73145
FacilityBuilding 3001Tinker Air Force Base, OK 73145