BanksFIRST BANK & TRUST COMPANY

FIRST BANK & TRUST COMPANY

PERRY, OKSmallEst. Feb. 21, 1934, midnightFDIC #13946RSSD #640956FDIC
Latest · 2025-12-31

FIRST BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 10.19%, well above regulatory minimums. NPL ratio: 1.58% · Texas Ratio: 8.58%. Operates 4 domestic branches.

Assets
$245M
Deposits
$219M
Loans
$148M
Equity
$25M

Profitability

Return on Assets (ROA)1.33%
Return on Equity (ROE)13.22%
Net Interest Margin4.56%
Yield on Assets6.21%
Cost of Funds1.70%

Asset Quality

NPL Ratio1.58%
Net Charge-Off Ratio0.08%
Texas Ratio8.58%
NPA Ratio0.95%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio10.19%
Tier 1 Capital10.19%
Total Capital Ratio10.70%
Leverage Ratio12.34%
Loan-to-Deposit67.53%

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