FIRST BANK & TRUST COMPANY

DUNCAN, OK | Medium | Est. Dec. 8, 1988, midnight | FDIC #27394 | RSSD #1228034 | FDIC
Latest Report: 2025-12-31

FIRST BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in DUNCAN, OK, established in Dec. 8, 1988, midnight. As of 2025-12-31, the bank reported total assets of $948M and total deposits of $800M. Profitability stands at 2.74% ROA and 18.57% ROE, with a net interest margin of 5.02%. The bank's CET1 capital ratio is 18.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 5.51% and a Texas Ratio of 26.94%. FDIC Certificate #27394.

Assets

$948M

Deposits

$800M

Loans

$747M

Equity

$143M

Profitability

Return on Assets (ROA) 2.74%
Return on Equity (ROE) 18.57%
Net Interest Margin (NIM) 5.02%
Yield on Assets 6.55%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 5.51%
Net Charge-Off Ratio 0.03%
Texas Ratio 26.94%
NPA Ratio 4.39%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 18.59%
Tier 1 Capital 18.59%
Total Capital Ratio 19.85%
Leverage Ratio 14.48%
Loan-to-Deposit 93.36%

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