Bank Comparison
First National Bank & Trust, Elk City, Oklahoma vs Leighton State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank & Trust, Elk City, Oklahoma | Leighton State Bank |
|---|---|---|
| CET1 Ratio | — | 14.35% |
| Tier 1 Capital Ratio | — | 14.35% |
| Total Capital Ratio | — | 15.19% |
| Tier 1 Leverage Ratio | 13.22% | 11.09% |
| Equity / Assets | 9.57% | 11.39% |
Profitability
| Metric | First National Bank & Trust, Elk City, Oklahoma | Leighton State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.01% | 1.68% |
| Return on Equity (ROE) | 21.94% | 14.82% |
| Net Interest Margin (NIM) | 3.87% | 3.71% |
| Yield on Earning Assets | 5.38% | 5.73% |
| Cost of Funds | 1.72% | 2.15% |
Asset quality
| Metric | First National Bank & Trust, Elk City, Oklahoma | Leighton State Bank |
|---|---|---|
| Texas Ratio | 5.36% | 5.41% |
| Non-Performing Loan Ratio | 0.95% | 0.80% |
| Non-Performing Asset Ratio | 0.57% | 0.60% |
| Net Charge-Off Ratio | -0.09% | 0.04% |
| ACL / Loans | 1.91% | 0.85% |
Balance sheet
| Metric | First National Bank & Trust, Elk City, Oklahoma | Leighton State Bank |
|---|---|---|
| Total Assets | $293,745K | $293,411K |
| Total Deposits | $263,937K | $248,766K |
| Total Loans | $160,852K | $218,798K |
| Total Equity | $28,109K | $33,415K |
| Net Income (quarter) | $1,535K | $1,223K |
Liquidity & funding
| Metric | First National Bank & Trust, Elk City, Oklahoma | Leighton State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.94% | 87.95% |
| Core Deposit Ratio | 84.48% | 86.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank & Trust, Elk City, Oklahoma | Leighton State Bank |
|---|---|---|
| Headquarters City | ELK CITY | PELLA |
| Headquarters State | OK | IA |
| Asset Tier | Small | Small |
| Charter Class | 9952 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 41 | 40 |
| Established | April 19, 1901, midnight | July 14, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First National Bank & Trust, Elk City, Oklahoma profile | View full Leighton State Bank profile | Browse all bank comparisons