First Bank and Trust Company (Clinton, OK)
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Data as of · sourced from FFIEC call reports. How we update
First Bank and Trust Company is an FDIC-insured commercial bank headquartered in Clinton, OK, established in 1903 (FDIC certificate 15348), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $58.2M, up 1.8% from Q2 2025, the 154th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.68% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15348
- Headquarters
- Clinton, OK
- Established
- 1903
- Total assets, Q2 2026
- $58.2M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 16.68%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103101822
- Latest call report
- Q2 2026, FFIEC 051 · First Bank and Trust Company call report
- Holding company
- CLINTON BANCSHARES, INC.
- Asset rank in state
- 154th of 169 in Oklahoma
Problem loans are falling at First Bank and Trust Company. Based in Clinton, Oklahoma, it had $58 million in assets at June 30, 2026, up 1.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.02% of loans from 0.59% a year earlier. It pays an average of 0.97% on its deposits and borrowings, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 1.53%). It also earns about $1.95 a year on every $100 of assets, about double the median of $1.06 for banks its size.
Its $3.4 million commercial and industrial book is now fully current, after 2.82% of it was past due or on nonaccrual a year earlier. Loans are outrunning deposits: over the year loans rose 6.5% and deposits rose 1.0%.
As of June 30, 2026, First Bank and Trust Company reported a return on assets of 1.95%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First Bank and Trust Company is the 154th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.1% to $58.2M, loans rose 2.9% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 59.2% of total loans, followed by commercial and industrial loans at 15.9%. Its one office in the FDIC Summary of Deposits is in Clinton, OK. On its Q2 2026 call report, First Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 501 Frisco Ave, Clinton, OK 73601
- County
- Custer
- Metro Area
- Weatherford, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Former names
- First National Bank and Trust Company in Clinton (1981-2001)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $47.1M
- Allowance for credit losses
- $261K
- Net charge-offs (YTD)
- $0
- Average total assets
- $58.3M
- Average total loans
- $21.3M
- Average interest-bearing deposits
- $30.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 1, 1936
- FDIC Cert
- 15348
- Fed RSSD
- 157856
- Website
- www.fbtok.com →
- Parent Holding Company
- CLINTON BANCSHARES, INC. (RSSD 1055593)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bank and Trust Company's total assets ran between $54.8M (Q4 2025) and $62.2M (Q3 2024), 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
$58.2M total assets against $57.1M; $49.6M total liabilities against $49.2M.
$21.0M net loans and leases against $19.7M; $47.1M total deposits against $46.6M.
$12.3M securities against $13.3M; $24.0M cash and balances due against $23.2M.
$713K total interest income against $701K; $118K total interest expense against $99K.
$595K net interest income against $602K.
$49K total noninterest income against $25K; $360K total noninterest expense against $388K.
$0 provision for credit losses against $0.
$284K net income against $239K.
1.95% return on assets against 1.64%; 4.23% net interest margin against 4.18%.
16.68% tier 1 leverage ratio against 16.25%.
Inside the full First Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.62% (Q1 2026) to 2.28% (Q3 2024) and its net interest margin ran from 3.98% (Q1 2026) to 4.52% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.68% | 1.95% | 0.02% | 0.05% | 4.23% |
| Q1 2026 | 16.01% | 1.62% | 0.10% | 0.25% | 3.98% |
| Q4 2025 | 16.49% | 2.00% | 0.48% | 1.22% | 4.52% |
| Q3 2025 | 16.17% | 1.81% | 0.03% | 0.07% | 4.25% |
| Q2 2025 | 16.25% | 1.64% | 0.59% | 1.42% | 4.18% |
| Q1 2025 | 15.95% | 2.16% | 0.45% | 1.20% | 4.34% |
| Q4 2024 | 14.81% | 1.83% | 0.77% | 2.21% | 4.18% |
| Q3 2024 | 14.89% | 2.28% | 1.00% | 2.63% | 4.28% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 and Trust Company (main office) | Clinton , OK | 73601 | $47.1M |
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 |
|---|---|---|---|
| February 2, 1936 | Structure Change | Acquired First National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 176 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $117K approved, $117K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 and Trust Company
What are First Bank and Trust Company's total assets?
As of the Q2 2026 filing, First Bank and Trust Company reported total assets of $58.2 million in its FFIEC call report.
Where is First Bank and Trust Company headquartered?
It is headquartered in Clinton, OK, United States.
When was First Bank and Trust Company founded?
It was established in 1903, per the FDIC institution directory.
Is First Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank and Trust Company?
First Bank and Trust Company's primary federal regulator is the Federal Reserve.
How many branches does First Bank and Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.05% 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 and Trust Company previously called?
The charter now named First Bank and Trust Company has also operated as First National Bank and Trust Company in Clinton (1981-2001), per FDIC structure-change records.
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