Banks · Oklahoma

First Bank & Trust Co.

Duncan, OK · FDIC Certificate #27394 · Chartered 12/0

Total assets

$952.06M

Total deposits

$802.12M

Total equity

$145.32M

Net loans

$700.92M

Branches (offices)

Net income (YTD)

$10.47M

Rank: #1,085 of 4,213 U.S. banks by assets · #27 of 168 in Oklahoma. Assets changed -0.7% and deposits -2.2% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	2.20%
Return on equity	14.57%
Net interest margin (YTD)	4.66%
Equity to assets	15.26%
Tier 1 leverage ratio	14.89%
Uninsured deposits (share of deposits)	40.7%
Noncurrent loans (share of loans)	5.22%
Net charge-offs (share of loans)	0.68%
Loans to deposits	87.4%
Real estate loans (share of loans)	92.6%

Loan mix

Category	Amount	Share
Real estate loans	$649.15M	92.6%
Commercial & industrial	$35.78M	5.1%
Consumer / individual	$19.62M	2.8%
Construction & development	$107.53M	15.3%
Agricultural	$4.24M	0.6%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$799.78M	$695.96M	$5.59M	$100.44M
Jun 2023	$834.98M	$701.26M	$5.67M	$108.99M
Jun 2024	$876.74M	$751.98M	$6.31M	$119.68M
Jun 2025	$958.35M	$819.96M	$10.07M	$133.92M
Jun 2026	$952.06M	$802.12M	$10.47M	$145.32M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Oklahoma	$802.12M	14

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $802.12M.

Similar-sized banks

The First National Bank Of Middle Tennessee ($952.38M) · First State Bank ($951.51M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.