TellerScore

Community Bank (FDIC certificate #8975) is based in Bristow, Oklahoma. Its Q2 2026 call report shows $119.1M in total assets and $106.9M in deposits and 2 offices.

Community Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 82nd. Earnings contributes the most (100/100, 2.13%); capital cushion contributes the least (51/100, 10.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.09%
Loan quality71/100
Noncurrent loans ÷ total loans: 0.86%
Earnings100/100
Return on assets (annualized): 2.13%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 90.1% · 19.8% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (79 → 71), mostly because the loan quality component weakened by 22 points.

TellerScore
717782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202471
Q1 202579
Q2 202579
Q3 202582
Q4 202576
Q1 202678
Q2 202671
Tier 1 leverage ratio
5.00%8.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.22%
Q3 202410.94%
Q4 20249.45%
Q1 202510.11%
Q2 202510.83%
Q3 202511.26%
Q4 20259.56%
Q1 20269.99%
Q2 202610.09%
Noncurrent loans
0.19%0.53%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.51%
Q3 20240.76%
Q4 20240.76%
Q1 20250.22%
Q2 20250.20%
Q3 20250.21%
Q4 20250.20%
Q1 20260.19%
Q2 20260.86%
Return on assets
2.09%2.36%2.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.56%
Q3 20242.62%
Q4 20242.64%
Q1 20252.52%
Q2 20252.61%
Q3 20252.52%
Q4 20252.50%
Q1 20262.09%
Q2 20262.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$119.1M10.09%0.86%2.13%90.1%
Q1 202678$114.5M9.99%0.19%2.09%91.8%
Q4 202576$111.4M9.56%0.20%2.50%92.1%
Q3 202582$110.5M11.26%0.21%2.52%89.1%
Q2 202579$109.0M10.83%0.20%2.61%93.0%
Q1 202579$109.8M10.11%0.22%2.52%85.5%
Q4 202471$108.1M9.45%0.76%2.64%89.3%
Q3 202476$112.4M10.94%0.76%2.62%86.6%
Q2 202476$113.1M10.22%0.51%2.56%86.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.09%
34th
Total risk-based capital0.00%
24th
Problem loans0.86%
32nd
Net charge-offs0.04%
30th
Return on assets2.13%
90th
Net interest margin6.04%
99th
Efficiency ratio55.1%
72nd
Loans to deposits90.1%
26th
Uninsured deposits19.8%
65th
Loan-loss reserves1.16%
46th
Texas ratio8.1%
23rd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers and Merchants National Bank of FairviewBank Fairview, OK66 out of 100, Moderate$118.7M12.2%1.67%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
CorebankBank Waynoka, OK83 out of 100, Strong$122.1M11.8%0.00%vs
Cleo State BankBank Cleo Springs, OK80 out of 100, Strong$122.5M16.4%2.12%vs
Great Nations BankBank Norman, OK70 out of 100, Strong$113.8M10.3%0.10%vs
Monument BankBank Poteau, OK76 out of 100, Strong$112.8M9.9%0.27%vs

Deposit insurance

Is my money safe at Community Bank?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #8975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($21.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Community Bank lists 1 office in 1 city. Most locations:

  • Bristow, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Community Bank
Former names
Community State Bank
Type
State-chartered bank
FDIC certificate #
8975
RSSD ID
938550
Primary regulator
FDIC
Holding company
Sooner Sw Bankshares Inc
Established
March 17, 1924
Headquarters
104 S Main St, Bristow, OK 74010
Employees
29

Quick answers

Community Bank: common questions

Is Community Bank FDIC insured?

Yes. Community Bank is an FDIC-insured institution (FDIC certificate #8975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank ever failed?

There is no failure record for FDIC certificate #8975 in the FDIC failed bank list.

How many branches does Community Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bristow

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
The Payne County BankBank Perkins, OK83 out of 100, Strong$313.2M14.4%1.09%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Oklahoma Central Credit UnionCredit union Tulsa, OK83 out of 100, Strong$760.2M13.9%0.24%vs
Ttcu Federal Credit UnionCredit union Tulsa, OK73 out of 100, Strong$2.7B13.4%1.49%vs
Western Sun Federal Credit UnionCredit union Broken Arrow, OK73 out of 100, Strong$181.5M17.6%0.71%vs