Total Assets
$245M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$219M
Customer-funded liabilities
Net Loans
$146M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
86th percentile nationally
1.83%
Return on Equity (ROE)
19.41%
Efficiency Ratio
59.50%
What the numbers say about First Bank & Trust Company
First Bank & Trust Company is an FDIC-insured institution (Certificate #13946) headquartered in Perry, Oklahoma, established in 1934. It holds $245M in total assets - 2,758th of 4,313 FDIC-insured banks, $219M in customer deposits, and $146M in net loans. Looking at capital strength, Tier 1 stands at 12.14%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 8.58%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), 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 Company ranks 92nd of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Oklahoma by total assets
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.
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 Company's health grade?▼
First Bank & Trust Company receives a health grade of A (88/100) 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 Company?▼
First Bank & Trust Company holds $245M in total assets and $219M in deposits, ranking 2,758th of 4,313 FDIC-insured banks by asset size. It is headquartered in Perry, Oklahoma.
Is my money safe at First Bank & Trust Company?▼
Yes, deposits at First Bank & Trust Company (Certificate #13946) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bank & Trust Company's Tier 1 Capital Ratio?▼
First Bank & Trust Company has a Tier 1 Capital Ratio of 12.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Bank & Trust Company?▼
First Bank & Trust Company has a Texas Ratio of 8.58%. 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 Company?▼
First Bank & Trust Company has an Efficiency Ratio of 59.50%. 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 Company's profile as a depositor or analyst.
- First Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bank & Trust Company 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.