Total Assets
$948M
Total balance-sheet footings
FDIC Cert #27394 · Duncan, Oklahoma · Est. 1988
First Bank & Trust Co. - FDIC Bank Health Profile
A community-scale look at First Bank & Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $948M
- Total assets
- A
- Health grade · Excellent
- 2.33%
- Return on assets
- 18.6%
- Tier 1 capital
Data updated July 2026
The verdict
First Bank & Trust Co. earns a PlainBankData health grade of A (87/100), with well-capitalized at 18.59% Tier 1, profitable at 2.33% ROA, efficient (50% cost ratio).
- #1,096
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 18.59%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How First Bank & Trust Co.'s 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (18.59%) 40/40
Return on Assets (ROA) (2.33%) 25/25
Texas Ratio (28.13%) 10/20
Efficiency Ratio (50.50%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$800M
Customer-funded liabilities
Net Loans
$735M
Outstanding loan book
Net Income
$22M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bank & Trust Co. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank & Trust Co.'s score of 87/100 falls in the highlighted band.
First Bank & Trust Co.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank & Trust Co.'s $948M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.59%
Texas Ratio
28.13%
Equity Capital
$143M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.33%
Return on Equity (ROE)
16.60%
Efficiency Ratio
50.50%
What the numbers say about First Bank & Trust Co.
First Bank & Trust Co. is an FDIC-insured institution (Certificate #27394) headquartered in Duncan, Oklahoma, established in 1988. It holds $948M in total assets - 1,096th of 4,313 FDIC-insured banks, $800M in customer deposits, and $735M in net loans. Looking at capital strength, Tier 1 stands at 18.59%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 28.13%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oklahoma, First Bank & Trust Co. ranks 27th of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$56M
Interest Income
$8M
Non-Interest Income
$26M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank & Trust Co. reports a Texas Ratio of 28.13% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
28.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank & Trust Co. (FDIC Cert #27394) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is First Bank & Trust Co.'s health grade?▼
First Bank & Trust Co. receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Bank & Trust Co.?▼
First Bank & Trust Co. holds $948M in total assets and $800M in deposits, ranking 1,096th of 4,313 FDIC-insured banks by asset size. It is headquartered in Duncan, Oklahoma.
Is my money safe at First Bank & Trust Co.?▼
Yes, deposits at First Bank & Trust Co. (Certificate #27394) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank & Trust Co.'s Tier 1 Capital Ratio?▼
First Bank & Trust Co. has a Tier 1 Capital Ratio of 18.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Bank & Trust Co.?▼
First Bank & Trust Co. has a Texas Ratio of 28.13%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Bank & Trust Co.?▼
First Bank & Trust Co. has an Efficiency Ratio of 50.50%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bank & Trust Co.'s profile as a depositor or analyst.
- First Bank & Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank & Trust Co. against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.