Bank Safety Analysis
Is First Bank & Trust Company Safe?
First Bank & Trust Company shows stress on 1 of 5 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
Noncurrent loans to total loans dropped 0.41 percentage points in Q2 2026, from 5.56% to 5.15%. It was the largest change from Q1 2026 among the key lines here. First Bank & Trust Company ranks 12th of 71 Oklahoma banks on CET1 ratio, in the upper half at 20.02% (Q2 2026). First Bank & Trust Company reported 20.02% on CET1 ratio for Q2 2026, 4.95 points above the 15.07% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, First Bank & Trust Company's CET1 ratio ranged between 16.04% (Q1 2025) and 20.02% (Q2 2026) and its Texas ratio ranged between 12.81% (Q3 2024) and 29.56% (Q1 2026). Compared with Q2 2025, First Bank & Trust Company's CET1 ratio from 16.80% to 20.02%, noncurrent loans to total loans from 5.22% to 5.15%, Texas ratio from 28.59% to 24.93%, return on assets from 2.06% to 2.26% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 20.02% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 14.89% is above the 5% well-capitalized threshold.
Nonperforming loans at 5.15% are at a stress-band level above 3%.
Texas Ratio of 24.9% is well below the 100% historical failure threshold.
Efficiency ratio of 55.2% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 20.02% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 24.93% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 5.15% | Flags at 3% or above | Flagged |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 88.54% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 223.61% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 20.02% |
| Q1 2026 | 19.35% |
| Q4 2025 | 18.59% |
| Q3 2025 | 17.31% |
| Q2 2025 | 16.80% |
| Q1 2025 | 16.04% |
| Q4 2024 | 17.10% |
| Q3 2024 | 17.66% |
| Q2 2024 | 17.20% |
| Q1 2024 | 16.83% |
| Q4 2023 | 16.44% |
| Q3 2023 | 16.32% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 24.93% |
| Q1 2026 | 29.56% |
| Q4 2025 | 29.25% |
| Q3 2025 | 28.52% |
| Q2 2025 | 28.59% |
| Q1 2025 | 26.95% |
| Q4 2024 | 13.03% |
| Q3 2024 | 12.81% |
| Q2 2024 | 13.09% |
| Q1 2024 | 13.47% |
| Q4 2023 | 14.26% |
| Q3 2023 | 16.17% |
First Bank & Trust Company by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 20.02% | 5.15% | 24.93% | 2.26% |
| Mar 31, 2026 | 19.35% | 5.56% | 29.56% | 2.12% |
| Dec 31, 2025 | 18.59% | 5.51% | 29.25% | 2.71% |
| Sep 30, 2025 | 17.31% | 5.40% | 28.52% | 2.40% |
| Jun 30, 2025 | 16.80% | 5.22% | 28.59% | 2.06% |
| Mar 31, 2025 | 16.04% | 4.79% | 26.95% | 2.09% |
| Dec 31, 2024 | 17.10% | 2.20% | 13.03% | 2.50% |
| Sep 30, 2024 | 17.66% | 2.25% | 12.81% | 2.05% |
| Jun 30, 2024 | 17.20% | 2.24% | 13.09% | 1.52% |
| Mar 31, 2024 | 16.83% | 2.29% | 13.47% | 1.36% |
| Dec 31, 2023 | 16.44% | 2.34% | 14.26% | 1.93% |
| Sep 30, 2023 | 16.33% | 2.62% | 16.17% | 1.54% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First Bank & Trust Company FDIC insured?
Yes. First Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #27394). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is First Bank & Trust Company well capitalized?
Yes. First Bank & Trust Company reports a CET1 Ratio of 20.02%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is First Bank & Trust Company's nonperforming loan ratio?
As of the most recent call report, First Bank & Trust Company's nonperforming loan ratio is 5.15%. Nonperforming loans at 5.15% are at a stress-band level above 3%.
What is First Bank & Trust Company's Texas Ratio?
First Bank & Trust Company's Texas Ratio is 24.93%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 27394) · FFIEC NIC profile (RSSD 1228034)
Explore: Full First Bank & Trust Company profile · Other banks in OK · Metric glossary · How the call report works