FDIC Cert #13946 · Perry, Oklahoma · Est. 1934

First Bank & Trust Company - FDIC Bank Health Profile

A community-scale look at First Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$245M
Total assets
A
Health grade · Excellent
1.83%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

First Bank & Trust Company earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.14% Tier 1, profitable at 1.83% ROA, efficient (60% cost ratio).

#2,758
largest of 4,313 FDIC banks by assets
36th
percentile by asset size, nationally
12.14%
Tier 1 ratio - above the 10% well-capitalized line
86th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 13946 · OK A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1036/4307
  • PHOTO-FINISH Iowa State Bank · IA
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 8.6% Texas
  • ROA-STRONG 1.83% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Iowa State Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank 1st · IA · near88/100Farmers and Merchant… · MO ·…88/100First Bank & Trust C… · OK ·…88/100First National Bank… · KS · …88/100Iowa State Bank · IA · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank & Trust Company · July 2026

What First Bank & Trust Company's Call Report plate shows

First Bank & Trust Company (FDIC Cert #13946) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,036 of 4,307. Tier 1 capital prints at 12.14%, clearing the 10% well-capitalized line. The Texas Ratio is 8.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.83%. Balance-sheet scale is $245M, 2,758th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Iowa State Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank & Trust Company

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

First Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Bank & Trust Company remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How First Bank & Trust Company's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
First Bank & Trust Company's composite health score
Tier 1 Capital Ratio (12.14%) 35/40
Return on Assets (ROA) (1.83%) 25/25
Texas Ratio (8.58%) 16/20
Efficiency Ratio (59.50%) 12/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$245M

Total balance-sheet footings

Total Deposits

$219M

Customer-funded liabilities

Net Loans

$146M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.74% 12.14% 13.54%
Basel III capital ratios - First Bank & Trust Company

Where First Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank & Trust Company's score of 88/100 falls in the highlighted band.

First Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 24% higher than 76% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Bank & Trust Company'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 Company's $245M falls in the highlighted band.

Safety ratios for First Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

12.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.14%
Texas Ratio
8.58%
Equity Capital
$25M

What these ratios mean →

Earnings posture at First Bank & Trust Company

Return on Assets (ROA)
86th percentile nationally
1.83%
Return on Equity (ROE)
19.41%
Efficiency Ratio
59.50%

What these mean →

Income & expense at First Bank & Trust Company

$14M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank & Trust Company reports a Texas Ratio of 8.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Bank & Trust Company on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($245M here), outside Oklahoma so the neighborhood is not state containment.

Bodcaw Bank $245M · AR Farmers and Merchants Bank $245M · TX Bank of Easton $245M · MA First Financial Bank $245M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank & Trust Company (FDIC Cert #13946) - 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.

First Bank & Trust Company Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%