The Peoples National Bank of Checotah is a national bank headquartered in Checotah, Oklahoma, in business for about 115 years. At the end of Q2 2026 it reported $171.8M in total assets and $139.3M in deposits, with 3 offices.
Based on its Q2 2026 filing, The Peoples National Bank of Checotah scores 91/100, which we describe as very strong. That is higher than 96% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 9th. Its strongest component is capital cushion (100/100; 16.05%), and its lowest is earnings (78/100; 1.45%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (90 → 91).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 89 |
| Q4 2024 | 88 |
| Q1 2025 | 91 |
| Q2 2025 | 90 |
| Q3 2025 | 92 |
| Q4 2025 | 90 |
| Q1 2026 | 92 |
| Q2 2026 | 91 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.66% |
| Q3 2024 | 16.23% |
| Q4 2024 | 16.08% |
| Q1 2025 | 15.82% |
| Q2 2025 | 15.72% |
| Q3 2025 | 16.27% |
| Q4 2025 | 16.11% |
| Q1 2026 | 15.99% |
| Q2 2026 | 16.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.53% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.04% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.15% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $171.8M | 16.05% | 0.53% | 1.45% | 32.2% |
| Q1 2026 | 92 | $172.5M | 15.99% | 0.29% | 1.35% | 32.1% |
| Q4 2025 | 90 | $169.1M | 16.11% | 0.40% | 1.22% | 33.4% |
| Q3 2025 | 92 | $164.3M | 16.27% | 0.23% | 1.22% | 35.2% |
| Q2 2025 | 90 | $167.7M | 15.72% | 0.32% | 1.15% | 33.1% |
| Q1 2025 | 91 | $172.4M | 15.82% | 0.21% | 1.11% | 31.9% |
| Q4 2024 | 88 | $161.1M | 16.08% | 0.46% | 0.99% | 34.8% |
| Q3 2024 | 89 | $162.9M | 16.23% | 0.39% | 1.04% | 34.6% |
| Q2 2024 | 88 | $167.4M | 15.66% | 0.46% | 1.09% | 33.2% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| All Capital BankBank Locust Grove, OK | 73 out of 100, Strong | $176.1M | 9.5% | 0.30% | vs |
| Security Bank and Trust CompanyBank Miami, OK | 56 out of 100, Moderate | $166.9M | 8.0% | 1.41% | vs |
| Carson Community BankBank Stilwell, OK | 71 out of 100, Strong | $166.7M | 12.6% | 1.43% | vs |
| Bank of HydroBank Hydro, OK | 76 out of 100, Strong | $180.8M | 11.6% | 0.64% | vs |
| The First State BankBank Boise City, OK | 58 out of 100, Moderate | $160.0M | 9.9% | 2.13% | vs |
| The Exchange BankBank Skiatook, OK | 82 out of 100, Strong | $158.4M | 12.1% | 0.00% | vs |
Deposit insurance
Is my money safe at The Peoples National Bank of Checotah?
Yes. The Peoples National Bank of Checotah is an FDIC-insured institution (FDIC certificate #4059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.3% of deposits ($21.4M) 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 16.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 44.94% (benchmark: 10%).
3 locations
Branches
The Peoples National Bank of Checotah lists 1 office in 1 city. Most locations:
- Checotah, OK (1)
Identity & history
Profile
- Legal name
- The Peoples National Bank of Checotah
- Type
- National bank
- FDIC certificate #
- 4059
- RSSD ID
- 942454
- Primary regulator
- OCC
- Holding company
- Peoples Natl Bancshares Checotah
- Established
- January 1, 1911
- Headquarters
- 300 W Gentry Ave, Checotah, OK 74426
- Website
- www.peoplesok.com/
- Employees
- 34
Quick answers
The Peoples National Bank of Checotah: common questions
Is The Peoples National Bank of Checotah FDIC insured?
Yes. The Peoples National Bank of Checotah is an FDIC-insured institution (FDIC certificate #4059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples National Bank of Checotah's TellerScore?
91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Peoples National Bank of Checotah ever failed?
There is no failure record for FDIC certificate #4059 in the FDIC failed bank list.
How many branches does The Peoples National Bank of Checotah have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Checotah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Muskogee Federal Credit UnionCredit union Muskogee, OK | 87 out of 100, Very strong | $112.0M | 12.8% | 0.58% | vs |
| Armstrong BankBank Muskogee, OK | 74 out of 100, Strong | $2.8B | 10.4% | 0.25% | vs |
| Ttcu Federal Credit UnionCredit union Tulsa, OK | 73 out of 100, Strong | $2.7B | 13.4% | 1.49% | vs |
| The Farmers State BankBank Quinton, OK | 70 out of 100, Strong | $193.9M | 9.3% | 0.79% | vs |
| Bank of EufaulaBank Eufaula, OK | 68 out of 100, Moderate | $87.1M | 12.1% | 0.46% | vs |
| Communication Federal Credit UnionCredit union Oklahoma City, OK | 68 out of 100, Moderate | $2.4B | 11.8% | 1.24% | vs |