First Bank (Erick, OK)
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Data as of · sourced from FFIEC call reports. How we update
First Bank is an FDIC-insured commercial bank headquartered in Erick, OK, established in 1902 (FDIC certificate 4092), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $118.0M, up 3.0% from Q2 2025, the 125th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 23.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4092
- Headquarters
- Erick, OK
- Established
- 1902
- Total assets, Q2 2026
- $118.0M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 23.44%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103104120
- Holding company
- ERICK BANCSHARES, INC.
- Asset rank in state
- 125th of 169 in Oklahoma
First Bank is one of the more profitable banks of its size. The Erick, Oklahoma bank had $118 million in assets at June 30, 2026, up 3.0% from a year earlier. It earns about $2.91 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.30 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Net income for the quarter slipped 25% from a year earlier, to $850,000. Over the same year, loans grew 11.0% and deposits grew 2.3%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.27% of loans, against 0.13% a year earlier.
As of June 30, 2026, First Bank reported a CET1 capital ratio of 23.44%, a return on assets of 2.91%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Bank is the 125th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $118.0M, loans fell 0.7% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 17.3% of total loans, ahead of 1-4 family residential loans at 15.2%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OK; its Erick office books 36% of its branch deposits. Judged on its Q2 2026 call report, First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 118 West Roger Miller Boulevard, Erick, OK 73645
- County
- Beckham
- Metro Area
- Elk City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 12, 1902
- Former names
- First American Bank (1972-2015)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $100.1M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $116.7M
- Average total loans
- $67.4M
- Average interest-bearing deposits
- $62.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4092
- Fed RSSD
- 280352
- SEC CIK
- 1641443 → filed by ERICK BANCSHARES, INC.
- Website
- www.yourfirst.bank →
- Parent Holding Company
- ERICK BANCSHARES, INC. (RSSD 2209030)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bank's total assets ran between $96.6M (Q4 2023) and $118.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$118.0M total assets against $114.5M; $101.3M total liabilities against $99.0M.
$64.7M net loans and leases against $58.1M; $100.1M total deposits against $97.9M.
$10.2M securities against $8.3M; $39.9M cash and balances due against $45.1M.
$1.8M total interest income against $2.0M; $360K total interest expense against $349K.
$1.5M net interest income against $1.7M.
$127K total noninterest income against $124K; $747K total noninterest expense against $651K.
$0 provision for credit losses against $0.
$850K net income against $1.1M.
2.91% return on assets against 3.99%; 5.30% net interest margin against 6.14%.
23.44% CET1 capital ratio against 23.37%; 14.16% tier 1 leverage ratio against 13.54%.
Inside the full First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank rankings
Its closest position to the top of a national ranking is 80 of 3,611, for ROA; its furthest is 3,532 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.84% (Q1 2026) to 5.47% (Q4 2024) and its net interest margin ran from 5.24% (Q1 2026) to 7.22% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.44% | 2.91% | 0.27% | 0.99% | 5.30% |
| Q1 2026 | 25.41% | 2.84% | 0.10% | 0.39% | 5.24% |
| Q4 2025 | 24.51% | 3.24% | 0.17% | 0.58% | 5.39% |
| Q3 2025 | 24.26% | 3.33% | 0.14% | 0.49% | 5.69% |
| Q2 2025 | 23.37% | 3.99% | 0.13% | 0.44% | 6.14% |
| Q1 2025 | 22.24% | 3.61% | 0.09% | 0.34% | 5.98% |
| Q4 2024 | 20.88% | 5.47% | 0.02% | 0.09% | 6.50% |
| Q3 2024 | 19.34% | 4.57% | 0.01% | 0.03% | 7.22% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank (main office) | Erick , OK | 73645 | $36.5M |
| Locust Grove Branch | Locust Grove , OK | 74352 | $29.5M |
| Chouteau Branch | Chouteau , OK | 74337 | $17.5M |
| Porter Branch | Porter , OK | 74454 | $16.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 25, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 25, 2015 | Structure Change | Acquired First State Bank of Porter Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 8, 1985 | Structure Change | Acquired Farmers National Bank of Erick Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 7, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 141 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $106K approved, $106K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank
What are First Bank's total assets?
As of the Q2 2026 filing, First Bank reported total assets of $118.0 million in its FFIEC call report.
Where is First Bank headquartered?
It is headquartered in Erick, OK, United States.
When was First Bank founded?
It was established in 1902, per the FDIC institution directory.
Is First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank?
First Bank's primary federal regulator is the FDIC.
What is First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank's Texas Ratio?
Its Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Bank previously called?
The charter now named First Bank has also operated as First American Bank (1972-2015), per FDIC structure-change records.
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