FNB Community Bank

What FNB Community Bank does

FNB Community Bank is a privately held community bank founded in 1943 and headquartered in Midwest City, Oklahoma, serving consumers and small businesses across Eastern Oklahoma County and the OKC metro area. It operates seven full-service branches including a specialized location in the Tinker Air Force Base Exchange, and remains under continuous multi-generational ownership and management of the Croak family, with fourth-generation family members added to the board of directors in April 2023. The bank offers a full suite of retail and commercial banking products: multiple checking and savings accounts (including Rewards Checking at 5.00% APY on balances up to $10,000, Alpha, Senior Opportunities, Student Checking, Market Access, CDs, IRAs), personal and home loans (mortgages, HELOC, construction, auto at rates as low as 4.99% APR, personal term loans, personal credit cards), and business banking products (business checking, savings, commercial real estate loans, business lines of credit, equipment loans, merchant card services, eCorp cash management, remote deposit capture). The core technology platform is a third-party-built digital banking system launching a major unified mobile and online upgrade on June 11, 2026, integrating personal and business banking into a single app, supplemented by integrations with Zelle, Apple Pay, Google Pay, Visa Secure, and Kasasa Protect. The bank generates revenue primarily through net interest income on its loan portfolio (residential, consumer, commercial real estate, and business loans), complemented by deposit account fees, wire transfer fees, safe deposit box rental ($20-$145 annually), merchant processing revenue via the Clover partnership, and interchange on Visa debit and credit cards. Customer acquisition relies on direct-to-consumer relationship banking through local branches, supplemented by digital content marketing (blog, Banking Resource Center, social media presence across Facebook, LinkedIn, Instagram, YouTube, Pinterest, Twitter), community engagement through Rotary, chamber, and local nonprofit partnerships, and targeted segment positioning for military personnel and veterans at Tinker AFB.

Name

FNB Community Bank

Legal name

FNB Community Bank

Website

https://fnbmwc.com

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

51–100 employees

Short description

FNB Community Bank is a privately held, Croak family-owned community bank founded in 1943 in Midwest City, Oklahoma, offering personal and business banking, lending, and merchant services across seven branches serving Eastern Oklahoma County and the OKC metro, including Tinker Air Force Base.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022), Savings Institution, Federally Chartered (6035), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Community banking services
• Personal checking accounts
• Commercial lending products
• Small business banking
• Mortgage and consumer loans

Headquarters

HQ city

Midwest City

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Loans: The bank generates revenue primarily through interest earned on various loan products including home mortgages, personal loans, auto loans, and business loans
2. Deposit Account Fees: Monthly maintenance fees, minimum balance fees, and various service charges on checking and savings accounts
3. Wire Transfer Fees: Low service fee for wiring funds out to other financial institutions
4. Notary Service Fees: $5.00 fee for notary service for account holders
5. Credit Card Fees: Interest and fees generated from personal and business credit cards
6. Merchant Services: Payment processing services for business customers through Clover partnership

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

FNB Community Bank is a traditional community bank that provides personal and business banking services including checking and savings accounts, certificates of deposit, IRAs, home mortgages, home equity lines of credit, auto loans, personal loans, credit cards, commercial real estate loans, business lines of credit, equipment loans, merchant card services, and digital/mobile banking. The bank operates seven full-service branches across Eastern Oklahoma County including a branch at Tinker Air Force Base.

Product overview

FNB Community Bank is a traditional community bank offering a comprehensive suite of personal and business banking products and services. The core banking platform includes multiple checking and savings account types (Rewards Checking, Alpha Account, Senior Opportunities Checking, Student Checking, Regular Savings, Eagle Kids Savings, Market Access Account, CDs, IRAs) with various interest rates and features. Lending products span personal loans (Auto Loans, Personal Term Loans, PrimeLine of Credit, Personal Credit Cards), home loans (Home Mortgage Loans, HELOC, Home Run Home Equity Special, Construction Loans, Home Improvement Loans), and business loans (Commercial Real Estate Loans, Investment Property Loans, Business Term Loans, Business Lines of Credit, Equipment Loans). Digital Banking serves as the primary online/mobile banking channel with features including bill pay, mobile wallet (Apple Pay/Google Pay), Zelle P2P payments, Visa Secure, and Kasasa Protect fraud protection. Business services include Merchant Card Services (Clover POS), eCorp Business Cash Management, and Remote Deposit Capture. Additional services encompass Gift Cards, Wire Transfers, Notary Service, Safe Deposit Boxes, Direct Deposit, and Financial Calculators.

Differentiator

Problem solved

Functional benefit

Products and services

• Rewards Checking High-interest personal checking account earning up to 5.00% APY on balances up to $10,000 with qualifying activities (direct deposit, 12+ debit card purchases, eStatements enrollment). Includes ATM fee refunds up to $15 monthly and UChoose Rewards points on debit card purchases.
• Alpha Account Basic personal checking account with no monthly service fee, no minimum balance requirement, and free eStatements, online banking, and mobile banking access.
• Senior Opportunities Checking Checking account for customers aged 55 and older offering unlimited FNB ATM transactions, unlimited check writing, complimentary Accidental Death and Dismemberment insurance ($1,000), Common Carrier insurance ($100,000), and free notary service.
• Student Checking Checking account designed for students beginning their banking journey with features tailored for young adults.
• Regular Savings Interest-bearing personal savings account for balances over $100 with $10 quarterly fee waived on average daily balances over $100. Includes 3 free withdrawals per quarter.
• Eagle Kids Savings Savings account for children under 13 that earns interest and awards one Eagle Buck for each $10 deposited in person, redeemable for prizes.
• Market Access Account Money market savings account with competitive tiered interest rates, one free withdrawal per month, FDIC insurance, and $15 fee waived if balance stays above $10,000.
• Certificates of Deposit (CDs) Fixed-rate, fixed-term deposit accounts with competitive rates that increase with longer terms. Terms range from 3 to 48 months.
• Individual Retirement Accounts (IRAs) Retirement savings accounts available in traditional and Roth variants with tax advantages, competitive interest rates higher than regular savings, and monthly dividend payments.
• Home Mortgage Loans Fixed and adjustable-rate mortgage loans for purchasing or refinancing residential properties, including conventional and government-backed options.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity allowing homeowners to borrow against their property value for any purpose. Competitive rates with no closing costs.
• Construction Loans Short-term financing for building new residential homes, disbursed in draws as construction progresses.
• Home Improvement Loans Loans specifically designed for funding home renovation and improvement projects.
• Auto Loans Vehicle financing with rates as low as 4.99% APR for purchasing new or used automobiles.
• Personal Term Loans Installment loans for personal expenses with fixed terms and interest rates.
• PrimeLine of Credit Revolving line of credit for flexible borrowing needs, suitable for vacations, unexpected expenses, or debt consolidation.
• Personal Credit Cards Visa-branded credit cards for personal use with various rewards and benefits.
• Business Checking Business checking accounts including Regular Business Checking, Free Small Business Checking, and Commercial NOW Checking options with varying fee structures and features.
• Business Savings Business savings products including Regular Business Savings, Business Market Access Account, Business CDs, and Business Retirement Accounts.
• Commercial Real Estate Loans Loans for purchasing, developing, or refinancing commercial properties including office buildings, retail spaces, and multi-family residential properties.
• Investment Property Loans Financing for rental properties and investment real estate acquisitions.
• Business Term Loans Fixed-term loans for business capital needs including equipment purchases, expansion, and working capital.
• Business Lines of Credit Revolving credit facilities for businesses to manage cash flow fluctuations and unexpected expenses.
• Business Credit Cards Credit cards designed for business spending with expense management features.
• Equipment Loans Financing specifically for business equipment purchases including machinery, vehicles, and technology.
• Merchant Card Services Payment processing services for businesses to accept credit and debit card transactions, powered by Clover POS systems including Station Duo, Station Solo, Mini, Flex, Go, and Kiosk hardware. Includes 90-day free trial of Clover Essentials or Services Growth plan and $450 hardware rebate for qualified clients.
• Digital Banking Online and mobile banking platform enabling customers to manage accounts, transfer funds, pay bills, view transactions, and access eStatements. The upgraded platform launching June 2026 unifies personal and business banking in a single mobile app.
• eCorp Business Cash Management Cash management services for business customers including account monitoring, reporting, and liquidity management tools.
• Remote Deposit Capture Service allowing business customers to deposit checks remotely by scanning images of checks for electronic submission.
• Safe Deposit Boxes Secure storage boxes available in various sizes (3x5 to 15x10) with annual rental fees ranging from $20 to $145 for protecting valuables and important documents.

Quantifiable outcome

• 5.00% APY on Rewards Checking balances up to $10,000
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Clover (Fiserv/First Data)coreChannel Partner/ Reseller/ DistributorClover provides merchant card services and payment processing solutions for FNB Community Bank business customers. Clover offers POS systems including Station Duo, Station Solo, Mini, Flex, and Virtual Terminal for merchants. FNB offers promotional incentives including 90-day free trial of Clover Essentials or Services Growth plan and $450 hardware rebate for qualified clients.
• KasasacoreTechnology or IntegrationKasasa provides the bank's rewards checking platform including Kasasa Protect fraud protection. The partnership enables high-yield checking accounts with ATM fee refunds and UChoose Rewards programs.
• FirstPoint Insurance Agency Inc.minorOthersInsurance affiliate company. Listed as a financial company affiliate in the privacy policy.
• Absolute Wealth ManagementminorOthersExternal investment and wealth management services linked from FNB website for customer referrals.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat3 records

Key highlights7 records

Customer concentration

• Xx.com/FNBMWC
• YouTubeyoutube.com/channel/UCd1wLLJbUFVWZ8bAdST29sg
• Facebookfacebook.com/FnbCommunityBank
• LinkedInlinkedin.com/company/fnb-community-bank
• Instagraminstagram.com/fnbcommunitybank
• Pinterestpinterest.com/fnbmwc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FNB Community Bank