FIRST BETHANY BANK & TRUST

BETHANY, OK | Small | Est. Jan. 1, 1923, midnight | FDIC #4228 | RSSD #988452 | FED
Latest Report: 2025-12-31

FIRST BETHANY BANK & TRUST is asn small FDIC-insured commercial bank headquartered in BETHANY, OK, established in Jan. 1, 1923, midnight. As of 2025-12-31, the bank reported total assets of $291M and total deposits of $249M. Profitability stands at 0.88% ROA and 15.46% ROE, with a net interest margin of 3.24%. The bank's CET1 capital ratio is 5.95%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 1.57%. FDIC Certificate #4228.

Assets

$291M

Deposits

$249M

Loans

$184M

Equity

$17M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 15.46%
Net Interest Margin (NIM) 3.24%
Yield on Assets 5.27%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio --
Texas Ratio 1.57%
NPA Ratio 0.10%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 5.95%
Tier 1 Capital 5.95%
Total Capital Ratio 6.25%
Leverage Ratio 9.10%
Loan-to-Deposit 73.86%

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