Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #4062 · Chickasha, Oklahoma · Est. 1892
The First National Bank and Trust Co., Chickasha, Oklahoma - FDIC Bank Health Profile
A community-scale look at The First National Bank and Trust Co., Chickasha, Oklahoma's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- A
- Health grade · Excellent
- 2.10%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank and Trust Co., Chickasha, Oklahoma earns a PlainBankData health grade of A (88/100), with well-capitalized at 13.40% Tier 1, profitable at 2.10% ROA, efficient (50% cost ratio).
- #996
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 13.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 92nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The First National Bank and Trust Co., Chickasha, Oklahoma'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.
The First National Bank and Trust Co., Chickasha, Oklahoma's composite health score
Tier 1 Capital Ratio (13.40%) 35/40
Return on Assets (ROA) (2.10%) 25/25
Texas Ratio (10.18%) 16/20
Efficiency Ratio (50.28%) 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
$873M
Customer-funded liabilities
Net Loans
$522M
Outstanding loan book
Net Income
$22M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank and Trust Co., Chickasha, Oklahoma ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank and Trust Co., Chickasha, Oklahoma's score of 88/100 falls in the highlighted band.
The First National Bank and Trust Co., Chickasha, Oklahoma'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). The First National Bank and Trust Co., Chickasha, Oklahoma's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.40%
Texas Ratio
10.18%
Equity Capital
$136M
Profitability metrics
Return on Assets (ROA)
92nd percentile nationally
2.10%
Return on Equity (ROE)
17.91%
Efficiency Ratio
50.28%
What the numbers say about The First National Bank and Trust Co., Chickasha, Oklahoma
The First National Bank and Trust Co., Chickasha, Oklahoma is an FDIC-insured institution (Certificate #4062) headquartered in Chickasha, Oklahoma, established in 1892. It holds $1.1B in total assets - 996th of 4,313 FDIC-insured banks, $873M in customer deposits, and $522M in net loans. Its capital position: a Tier 1 ratio of 13.40%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 10.18% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank and Trust Co., Chickasha, Oklahoma sits 22nd of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$52M
Interest Income
$8M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank and Trust Co., Chickasha, Oklahoma reports a Texas Ratio of 10.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.18% - 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) The First National Bank and Trust Co., Chickasha, Oklahoma (FDIC Cert #4062) - 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 The First National Bank and Trust Co., Chickasha, Oklahoma's health grade?▼
The First National Bank and Trust Co., Chickasha, Oklahoma 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 The First National Bank and Trust Co., Chickasha, Oklahoma?▼
The First National Bank and Trust Co., Chickasha, Oklahoma holds $1.1B in total assets and $873M in deposits, ranking 996th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chickasha, Oklahoma.
Is my money safe at The First National Bank and Trust Co., Chickasha, Oklahoma?▼
Yes, deposits at The First National Bank and Trust Co., Chickasha, Oklahoma (Certificate #4062) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank and Trust Co., Chickasha, Oklahoma's Tier 1 Capital Ratio?▼
The First National Bank and Trust Co., Chickasha, Oklahoma has a Tier 1 Capital Ratio of 13.40%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank and Trust Co., Chickasha, Oklahoma?▼
The First National Bank and Trust Co., Chickasha, Oklahoma has a Texas Ratio of 10.18%. 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 The First National Bank and Trust Co., Chickasha, Oklahoma?▼
The First National Bank and Trust Co., Chickasha, Oklahoma has an Efficiency Ratio of 50.28%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank and Trust Co., Chickasha, Oklahoma's profile as a depositor or analyst.
- The First National Bank and Trust Co., Chickasha, Oklahoma's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank and Trust Co., Chickasha, Oklahoma 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.