First Bank Routing Number (ABA): 103104120

First Bank at a glance

Its CET1 capital ratio was 23.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Total assets, Q2 2026

$118.0M

CET1 ratio, Q2 2026

23.44%

Deposit insurance

FDIC

Regulator

FDIC

Domestic offices

4 FDIC institution directory, current count

Established

1902

Full financial profile · Is First Bank safe? · Branch locations

What the digits mean

The first two digits, 10, place this number in the Federal Reserve Bank of Kansas City's district (District 10). Digits five through eight, 0412, identify the institution within that district. The last digit, 0, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.

Before you send money to First Bank

A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.

Match this number against the one on your First Bank checks or in its online banking. Ask the bank for wire instructions (www.yourfirst.bank). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.

About First Bank

First Bank is headquartered in Erick, Oklahoma and was established in 1902. It is in the ELK CITY, OK metro area. It reported $118.0M in total assets and $100.1M in deposits for Q2 2026, the 125th largest of the 169 banks headquartered in Oklahoma. See the largest banks in Oklahoma by total assets. It reports 4 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC.

What the digits in 103104120 mean

The first four digits, 1031, are the Federal Reserve routing symbol. The prefix 10 places the number in the 10th Federal Reserve District (Kansas City). That is also the district where the bank is headquartered. Digits five through eight, 0412, identify the institution within its Federal Reserve district. The last digit, 0, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 3 + 7 x 2 + 7 = 30, a multiple of 10, so 103104120 is a well-formed routing number. A mistyped digit almost always breaks that sum.

What is the First Bank routing number?

The First Bank routing number is 103104120. It is the primary ABA routing transit number registered to First Bank, headquartered in Erick, OK. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.

What is the First Bank wire routing number?

This page lists the primary routing number registered to First Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with First Bank before sending a wire.

Is ABA number 103104120 the routing number for First Bank?

Yes. It is the primary routing number registered to First Bank.

Which bank uses routing number 103104120?

It belongs to First Bank, headquartered in Erick, OK. It is the bank's primary ABA routing number (FDIC certificate 4092).

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