Total Assets
$294M
Total balance-sheet footings
FDIC Cert #4086 · Elk City, Oklahoma · Est. 1901
The First National Bank & Trust - FDIC Bank Health Profile
A community-scale look at The First National Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $294M
- Total assets
- A
- Health grade · Excellent
- 2.19%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank & Trust earns a PlainBankData health grade of A (91/100), with well-capitalized at 12.87% Tier 1, profitable at 2.19% ROA, efficient (48% cost ratio).
- #2,514
- largest of 4,313 FDIC banks by assets
- 42nd
- percentile by asset size, nationally
- 12.87%
- Tier 1 ratio - above the 10% well-capitalized line
- 93rd
- 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 The First National Bank & Trust's 91/100 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 & Trust's composite health score
Tier 1 Capital Ratio (12.87%) 35/40
Return on Assets (ROA) (2.19%) 25/25
Texas Ratio (8.84%) 16/20
Efficiency Ratio (48.07%) 15/15
91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$264M
Customer-funded liabilities
Net Loans
$160M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank & Trust's score of 91/100 falls in the highlighted band.
The First National 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). The First National Bank & Trust's $294M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.87% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.87%
Texas Ratio
8.84%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.19%
Return on Equity (ROE)
26.47%
Efficiency Ratio
48.07%
What the numbers say about The First National Bank & Trust
The First National Bank & Trust is an FDIC-insured institution (Certificate #4086) headquartered in Elk City, Oklahoma, established in 1901. It holds $294M in total assets - 2,514th of 4,313 FDIC-insured banks, $264M in customer deposits, and $160M in net loans. Its capital position: a Tier 1 ratio of 12.87%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.84% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (91 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 & Trust sits 80th of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$17M
Interest Income
$2M
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. The First National Bank & Trust reports a Texas Ratio of 8.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.84% - 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 & Trust (FDIC Cert #4086) - 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 & Trust's health grade?▼
The First National Bank & Trust receives a health grade of A (91/100) 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 & Trust?▼
The First National Bank & Trust holds $294M in total assets and $264M in deposits, ranking 2,514th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elk City, Oklahoma.
Is my money safe at The First National Bank & Trust?▼
Yes, deposits at The First National Bank & Trust (Certificate #4086) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank & Trust's Tier 1 Capital Ratio?▼
The First National Bank & Trust has a Tier 1 Capital Ratio of 12.87%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank & Trust?▼
The First National Bank & Trust has a Texas Ratio of 8.84%. 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 & Trust?▼
The First National Bank & Trust has an Efficiency Ratio of 48.07%. 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 & Trust's profile as a depositor or analyst.
- The First National Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National 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.