FIRST BANK & TRUST COMPANY

PERRY, OK | Small | Est. Feb. 21, 1934, midnight | FDIC #13946 | RSSD #640956 | FDIC
Latest Report: 2025-12-31

FIRST BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in PERRY, OK, established in Feb. 21, 1934, midnight. As of 2025-12-31, the bank reported total assets of $245M and total deposits of $219M. Profitability stands at 1.33% ROA and 13.22% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 10.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.58% and a Texas Ratio of 8.58%. FDIC Certificate #13946.

Assets

$245M

Deposits

$219M

Loans

$148M

Equity

$25M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 13.22%
Net Interest Margin (NIM) 4.56%
Yield on Assets 6.21%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 1.58%
Net Charge-Off Ratio 0.08%
Texas Ratio 8.58%
NPA Ratio 0.95%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 10.11%
Tier 1 Capital 10.11%
Total Capital Ratio 10.61%
Leverage Ratio 12.34%
Loan-to-Deposit 67.53%

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