Total Assets
$294M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The First National Bank & Trust — FDIC Bank Health Profile
Elk City, Oklahoma · Est. 1901. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #4086 Dallas Region
D
Health grade
Weak
Score: 40/100
Basel III capital ratios — The First National Bank & Trust
Total Deposits
$264M
Customer-funded liabilities
Net Loans
$160M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$28M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.19%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
26.47%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
48.07%
Income & Expense Breakdown
$17M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
FDIC Deposit Insurance
The First National Bank & Trust is FDIC-insured (Certificate #4086). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $294M in total assets and $264M in customer deposits, with $160M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The First National Bank & Trust reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $28M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.19% and a Return on Equity of 26.47%, with an Efficiency Ratio of 48.07% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of D (40/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The First National Bank & Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Oklahoma by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The First National Bank & Trust (FDIC Cert #4086) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Tulsa | $52.0B | C | 1.10% |
| MidFirst Bank Oklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust Company Durant | $16.3B | C | 0.97% |
| BancFirst Oklahoma City | $12.1B | B | 1.79% |
| InterBank Oklahoma City | $5.5B | C | 3.60% |
| Stride Bank, National Association Enid | $4.9B | A | 2.10% |
| RCB Bank Claremore | $4.1B | B | 1.32% |
| First Fidelity Bank Oklahoma City | $2.9B | F | 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 D (40/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is The First National Bank & Trust? ▼
The First National Bank & Trust holds $294M in total assets and $264M in deposits. It is headquartered in Elk City, Oklahoma.
Is my money safe at The First National Bank & Trust? ▼
Yes. The First National Bank & Trust is FDIC-insured (Certificate #4086). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The First National Bank & Trust's Tier 1 Capital Ratio? ▼
The First National Bank & Trust has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is The First National Bank & Trust? ▼
The First National Bank & Trust has an Efficiency Ratio of 48.07%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.