First Bank & Trust Company (Duncan, OK)
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Data as of · sourced from FFIEC call reports. How we update
First Bank & Trust Company is an FDIC-insured commercial bank headquartered in Duncan, OK, established in 1988 (FDIC certificate 27394), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $952.1M, down 0.7% from Q2 2025, the 27th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 20.02% 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
- 27394
- Headquarters
- Duncan, OK
- Established
- 1988
- Total assets, Q2 2026
- $952.1M
- Assets vs Q2 2025
- -0.7%
- CET1 ratio, Q2 2026
- 20.02%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 103102106
- Latest call report
- Q2 2026, FFIEC 051 · First Bank & Trust Company call report
- Asset rank in state
- 27th of 169 in Oklahoma
First Bank & Trust Company is one of the more profitable banks of its size. It reported $952 million in assets at June 30, 2026. It earns about $2.26 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it carries problem assets equal to 24.9% of the capital and reserves that would absorb them, 9.4 times the median of 2.6% for banks its size. A wide margin does most of the work: it keeps 4.62 cents of net interest income on every dollar of earning assets.
The balance sheet shrank over the year: over the year loans fell 6.5% and deposits fell 2.2%. Its $189 million non-owner-occupied commercial real estate book is improving, with 15.24% past due or on nonaccrual, down from 15.91% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First Bank & Trust Company reported a CET1 capital ratio of 20.02%, a return on assets of 2.26%, a nonperforming-loan ratio of 5.22% and a Texas ratio of 24.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Bank & Trust Company is the 27th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets were flat, loans fell 5.2% and deposits rose 0.2%. 1-4 family residential loans made up 26.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.6%. The FDIC Summary of Deposits lists 14 offices for it, in 10 cities in OK; its Duncan 3 offices book 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 923 W Main St, Duncan, OK 73533
- County
- Stephens
- Metro Area
- Duncan, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 8, 1988
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 192
- Domestic deposits
- $802.1M
- Allowance for credit losses
- $9.3M
- Net charge-offs (YTD)
- $2.5M
- Average total assets
- $960.4M
- Average total loans
- $730.4M
- Average interest-bearing deposits
- $589.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 8, 1988
- FDIC Cert
- 27394
- Fed RSSD
- 1228034
- Website
- www.fb247.com →
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
First Bank & Trust Company's total assets moved between a low of $832.3M (Q3 2023) and a high of $982.4M (Q1 2025) from Q3 2023 to 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
$952.1M total assets against $958.4M; $806.7M total liabilities against $824.4M.
$700.9M net loans and leases against $748.6M; $802.1M total deposits against $820.0M.
$171.1M securities against $134.6M; $53.0M cash and balances due against $47.3M.
$14.0M total interest income against $14.0M; $3.2M total interest expense against $3.5M.
$10.8M net interest income against $10.5M.
$2.1M total noninterest income against $2.0M; $7.2M total noninterest expense against $7.1M.
-$109K provision for credit losses against $165K.
$5.4M net income against $4.9M.
2.26% return on assets against 2.06%; 4.62% net interest margin against 4.49%.
20.02% CET1 capital ratio against 16.80%; 14.89% tier 1 leverage ratio against 13.56%.
Inside the full First Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Bank & Trust Company rankings
Its closest position to the top of a national ranking is 101 of 3,640, for Texas Ratio; its furthest is 1,272 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.05% (Q3 2024) to 2.71% (Q4 2025) and its net interest margin ran from 4.14% (Q3 2024) to 4.70% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.02% | 2.26% | 5.22% | 24.93% | 4.62% |
| Q1 2026 | 19.35% | 2.12% | 5.89% | 29.56% | 4.53% |
| Q4 2025 | 18.59% | 2.71% | 5.82% | 29.25% | 4.70% |
| Q3 2025 | 17.31% | 2.40% | 5.40% | 28.52% | 4.58% |
| Q2 2025 | 16.80% | 2.06% | 5.22% | 28.59% | 4.49% |
| Q1 2025 | 16.04% | 2.09% | 4.79% | 26.95% | 4.32% |
| Q4 2024 | 17.10% | 2.50% | 2.33% | 13.03% | 4.14% |
| Q3 2024 | 17.66% | 2.05% | 2.30% | 12.81% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 & Trust Co. | Duncan , OK | 73533 | $278.0M |
| Healdton Branch | Healdton , OK | 73438 | $126.7M |
| Ardmore Branch | Ardmore , OK | 73401 | $88.8M |
| Duncan Branch | Duncan , OK | 73533 | $66.4M |
| Stroud Branch | Stroud , OK | 74079 | $48.6M |
| Norman Branch | Norman , OK | 73072 | $42.4M |
| First National Bank of Lindsay Branch | Lindsay , OK | 73052 | $40.6M |
| The Waurika National Bank Branch | Waurika , OK | 73573 | $33.0M |
| Perkins Branch | Perkins , OK | 74059 | $28.7M |
| Wellston Branch | Wellston , OK | 74881 | $24.6M |
| Norman-Alameda Branch | Norman , OK | 73071 | $17.4M |
| Edmond Branch | Edmond , OK | 73134 | $6.9M |
| Drive-In Branch | Duncan , OK | 73533 | $0 |
| Ardmore West Branch | Ardmore , OK | 73401 | $0 |
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 |
|---|---|---|---|
| October 19, 2024 | Structure Change | Acquired The First National Bank of Lindsay Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 18, 2024 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 30, 2021 | Structure Change | Acquired Stroud National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 2008 | Structure Change | Acquired The Waurika National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 11, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 17, 1999 | Structure Change | Acquired Lincoln Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 28, 1994 | Structure Change | Acquired Bank of Healdton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 28, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 1988 | Structure Change | Acquired First Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 8, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in OK, rank 34 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.0M approved, $992K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 & Trust Company
What are First Bank & Trust Company's total assets?
As of the Q2 2026 filing, First Bank & Trust Company reported total assets of $952.1 million in its FFIEC call report.
Where is First Bank & Trust Company headquartered?
It is headquartered in Duncan, OK, United States.
When was First Bank & Trust Company founded?
It was established in 1988, per the FDIC institution directory.
Is First Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank & Trust Company?
First Bank & Trust Company's primary federal regulator is the FDIC.
What is First Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.02% 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 & Trust Company operate?
It operates 14 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 24.93% 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.
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