Total Assets
$291M
Total balance-sheet footings
FDIC Cert #4228 · Bethany, Oklahoma · Est. 1923
First Bethany Bank & Trust - FDIC Bank Health Profile
A community-scale look at First Bethany Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $291M
- Total assets
- C
- Health grade · Fair
- 0.91%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
First Bethany Bank & Trust earns a PlainBankData health grade of C (60/100), with 9.10% Tier 1 capital, 0.91% ROA, 66% efficiency ratio.
- #2,525
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 9.10%
- Tier 1 ratio - below the 10% well-capitalized line
- 36th
- 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 Bethany Bank & Trust's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Bethany Bank & Trust's composite health score
Tier 1 Capital Ratio (9.10%) 18/40
Return on Assets (ROA) (0.91%) 14/25
Texas Ratio (1.61%) 20/20
Efficiency Ratio (65.97%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$249M
Customer-funded liabilities
Net Loans
$182M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Bethany Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bethany Bank & Trust's score of 60/100 falls in the highlighted band.
First Bethany Bank & Trust'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 Bethany Bank & Trust's $291M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.10% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.10%
Texas Ratio
1.61%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
36th percentile nationally
0.91%
Return on Equity (ROE)
18.77%
Efficiency Ratio
65.97%
What the numbers say about First Bethany Bank & Trust
First Bethany Bank & Trust is an FDIC-insured institution (Certificate #4228) headquartered in Bethany, Oklahoma, established in 1923. It holds $291M in total assets - 2,525th of 4,313 FDIC-insured banks, $249M in customer deposits, and $182M in net loans. Its capital position: a Tier 1 ratio of 9.10%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.61% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Bethany Bank & Trust sits 81st of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$14M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bethany Bank & Trust reports a Texas Ratio of 1.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.61% - 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 Bethany Bank & Trust (FDIC Cert #4228) - 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 Bethany Bank & Trust's health grade?▼
First Bethany Bank & Trust receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Bethany Bank & Trust?▼
First Bethany Bank & Trust holds $291M in total assets and $249M in deposits, ranking 2,525th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bethany, Oklahoma.
Is my money safe at First Bethany Bank & Trust?▼
Yes, deposits at First Bethany Bank & Trust (Certificate #4228) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Bethany Bank & Trust's Tier 1 Capital Ratio?▼
First Bethany Bank & Trust has a Tier 1 Capital Ratio of 9.10%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for First Bethany Bank & Trust?▼
First Bethany Bank & Trust has a Texas Ratio of 1.61%. Staying under 50% is the level analysts treat as 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 Bethany Bank & Trust?▼
First Bethany Bank & Trust has an Efficiency Ratio of 65.97%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Bethany Bank & Trust's profile as a depositor or analyst.
- First Bethany Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Bethany Bank & Trust 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.