Total Assets
$255M
Total balance-sheet footings
FDIC Cert #17001 · Oklahoma City, Oklahoma · Est. 1951
First Security Bank and Trust Company - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $255M
- Total assets
- C
- Health grade · Fair
- 1.25%
- Return on assets
- 9.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Security Bank and Trust Company earns a PlainBankData health grade of C (50/100), with 9.45% Tier 1 capital, profitable at 1.25% ROA, efficient (57% cost ratio).
- #2,712
- largest of 4,313 FDIC banks by assets
- 37th
- percentile by asset size, nationally
- 9.45%
- Tier 1 ratio - below the 10% well-capitalized line
- 61st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Security Bank and Trust Company's 50/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Security Bank and Trust Company's composite health score
Tier 1 Capital Ratio (9.45%) 18/40
Return on Assets (ROA) (1.25%) 20/25
Texas Ratio (57.63%) 0/20
Efficiency Ratio (56.60%) 12/15
50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$209M
Customer-funded liabilities
Net Loans
$213M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Security Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Security Bank and Trust Company's score of 50/100 falls in the highlighted band.
First Security Bank and 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 Security Bank and Trust Company's $255M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.45% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.45%
Texas Ratio
57.63%
Equity Capital
$24M
Profitability metrics
Return on Assets (ROA)
61st percentile nationally
1.25%
Return on Equity (ROE)
12.13%
Efficiency Ratio
56.60%
What the numbers say about First Security Bank and Trust Company
First Security Bank and Trust Company is an FDIC-insured institution (Certificate #17001) headquartered in Oklahoma City, Oklahoma, established in 1951. It holds $255M in total assets - 2,712th of 4,313 FDIC-insured banks, $209M in customer deposits, and $213M in net loans. On safety, its Tier 1 capital ratio of 9.45% is below the 10% well-capitalized threshold, and its Texas Ratio of 57.63% sits above the 50% level analysts watch. It earns a PlainBankData health grade of C (50/100), 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 Security Bank and Trust Company ranks 89th of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
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 Security Bank and Trust Company reports a Texas Ratio of 57.63% - elevated, troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
57.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Security Bank and Trust Company
First Security Bank and Trust Company's grade of C reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 57.63% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. Its Tier 1 capital ratio of 9.45% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Security Bank and Trust Company up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Security Bank and Trust Company (FDIC Cert #17001) - 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 Security Bank and Trust Company's health grade?▼
First Security Bank and Trust Company receives a health grade of C (50/100) 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 Security Bank and Trust Company?▼
First Security Bank and Trust Company holds $255M in total assets and $209M in deposits, ranking 2,712th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oklahoma City, Oklahoma.
Is my money safe at First Security Bank and Trust Company?▼
Yes, deposits at First Security Bank and Trust Company (Certificate #17001) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Security Bank and Trust Company's Tier 1 Capital Ratio?▼
First Security Bank and Trust Company has a Tier 1 Capital Ratio of 9.45%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First Security Bank and Trust Company?▼
First Security Bank and Trust Company has a Texas Ratio of 57.63%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Security Bank and Trust Company?▼
First Security Bank and Trust Company has an Efficiency Ratio of 56.60%. 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 Security Bank and Trust Company's profile as a depositor or analyst.
- First Security Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Security Bank and 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.