Bank · FDIC insured
FNB Community Bank
A $480.2M bank headquartered in Midwest City, OK, with 6 branches in Oklahoma. Best rates: CDs 1.51% and savings 0.50% APY.
FNB Community Bank Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#25 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FNB Community Bank
Originally chartered in 1943 as American State Bank, FNB Community Bank is a locally owned community bank purchased by the Croak family in April 1954.
After adopting First National Bank of Midwest City in 1962 and shortening it in 1998, the bank converted back to a state-chartered institution named FNB Community Bank in 2012.
With a primary mission to serve Midwest City, Eastern Oklahoma County, and Tinker Air Force Base, it operates several full-service branches throughout eastern Oklahoma County and the OKC metro.
- Headquarters
- 2911 S Air Depot Blvd, Midwest City, OK 73110
- FDIC certificate
- 16127 ↗
Branches
6 branches in Oklahoma
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Oklahoma
6 branches
- FNB Community BankMain office2911 S Air Depot Blvd, Midwest City, OK 73110Directions
- Choctaw Branch15801 Ne 23rd St, Choctaw, OK 73020Directions
- Del City Branch4330 Se 29th St, Del City, OK 73115Directions
- Harrah Branch20941 Se 29th St, Harrah, OK 73045Directions
- Douglas Blvd Branch1213 S Douglas Blvd, Midwest City, OK 73130Directions
- Moore Branch601 N Broadway St, Moore, OK 73160Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.54% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.35% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.14% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio10.54%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.35%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.14%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FNB Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.