First Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.01 percentage points lower than in Q1 2026, at 88.54%. Within Oklahoma, First Bank & Trust Company is 21st of 169 on return on assets, 2.26% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First Bank & Trust Company reported 2.26% on return on assets in Q2 2026, 1.00 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.02% |
| Tier 1 risk-based capital ratio | 20.02% |
| Total risk-based capital ratio | 21.27% |
| Tier 1 leverage ratio | 14.89% |
| Equity capital to assets | 15.26% |
| Tangible equity to tangible assets | 14.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.15% |
| Non-performing assets ratio | 3.89% |
| Net charge-off ratio | 1.37% |
| Texas ratio | 24.93% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 25.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.26% |
| Return on equity | 15.03% |
| Net interest margin | 4.62% |
| Efficiency ratio | 55.16% |
| Yield on earning assets | 6.00% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.54% |
| Core deposits to total deposits | 90.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.25% |
| Securities to assets | 17.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.32% | 16.32% | 17.58% | 13.76% | 1.54% |
| Q4 2023 | 16.44% | 16.44% | 17.69% | 13.81% | 1.93% |
| Q1 2024 | 16.83% | 16.83% | 18.09% | 13.56% | 1.36% |
| Q2 2024 | 17.20% | 17.20% | 18.45% | 13.72% | 1.52% |
| Q3 2024 | 17.66% | 17.66% | 18.92% | 14.04% | 2.05% |
| Q4 2024 | 17.10% | 17.10% | 18.35% | 12.86% | 2.50% |
| Q1 2025 | 16.04% | 16.04% | 17.30% | 12.68% | 2.09% |
| Q2 2025 | 16.80% | 16.80% | 18.05% | 13.56% | 2.06% |
| Q3 2025 | 17.31% | 17.31% | 18.57% | 13.92% | 2.40% |
| Q4 2025 | 18.59% | 18.59% | 19.85% | 14.48% | 2.71% |
| Q1 2026 | 19.35% | 19.35% | 20.60% | 14.67% | 2.12% |
| Q2 2026 | 20.02% | 20.02% | 21.27% | 14.89% | 2.26% |
First Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27394) · FFIEC NIC profile (RSSD 1228034)