FNB COWETA

COWETA, OK · Supervised by Federal Reserve (FRB)

Est. 1903FDIC #4,071RSSD: FRB-61953

Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.23%

Institution Profile

FDIC BankFind

Website

FNBCOWETA.COM

Address

106 S Broadway, COWETA, OK

County

Wagoner County

Established

January 1, 1903

Total Assets

$125M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 21, 2025

Exam Type

Small Bank

Regulator

Federal Reserve (FRB)

What is a CRA rating? →

Estimated next exam:Jul 2030(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$125M

Total Deposits

$114M

Net Loans

$69M

Net Income

$694K

ROA

2.23%

ROE

25.61%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$108M

1-Year Change

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2021

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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