First Bank & Trust Company (Perry, 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 Perry, OK, established in 1934 (FDIC certificate 13946), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $255.2M, up 6.6% from Q2 2025, the 90th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13946
- Headquarters
- Perry, OK
- Established
- 1934
- Total assets, Q2 2026
- $255.2M
- Assets vs Q2 2025
- +6.6%
- Tier 1 leverage ratio, Q2 2026
- 11.34%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103101631
- Latest call report
- Q2 2026, FFIEC 051 · First Bank & Trust Company call report
- Holding company
- FNBT BANCSHARES, PERRY, OK, INC.
- Asset rank in state
- 90th of 169 in Oklahoma
First Bank & Trust Company is one of the more profitable banks of its size. The Perry, Oklahoma bank had $255 million in assets at June 30, 2026, up 6.6% from a year earlier. It returns 19.0% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also holds commercial real estate loans worth 0.5 times its capital, about half the median of 1.2 times for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.73% of loans from 1.51%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.3 million equal 18% of Tier 1 capital, down from 25% a year earlier.
As of June 30, 2026, First Bank & Trust Company reported a return on assets of 1.81%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 4.26%. The figures come from its call report filed with the FFIEC.
First Bank & Trust Company ranks as the 90th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.1% to $255.2M, loans rose 0.2% and deposits fell 2.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.7% of total loans, ahead of agricultural production loans at 25.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OK; its Perry office books 58% of its branch deposits. On its Q2 2026 call report, First Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 401 N 7th St, Perry, OK 73077
- County
- Noble
- 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
- February 21, 1934
- Former names
- First National Bank and Trust Company, Perry, Oklahoma (1972-1994)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $229.3M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $264.9M
- Average total loans
- $149.3M
- Average interest-bearing deposits
- $188.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 21, 1934
- FDIC Cert
- 13946
- Fed RSSD
- 640956
- Website
- www.fbt.bank →
- Parent Holding Company
- FNBT BANCSHARES, PERRY, OK, INC. (RSSD 1138133)
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 & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Bank & Trust Company's total assets ranged from $222.0M (Q3 2023) to $260.6M (Q1 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
$255.2M total assets against $239.4M; $230.2M total liabilities against $217.9M.
$149.3M net loans and leases against $140.8M; $229.3M total deposits against $217.0M.
$88.8M securities against $80.3M; $11.5M cash and balances due against $12.5M.
$3.7M total interest income against $3.6M; $946K total interest expense against $985K.
$2.7M net interest income against $2.6M.
$369K total noninterest income against $396K; $1.7M total noninterest expense against $1.8M.
$180K provision for credit losses against $0.
$1.2M net income against $1.1M.
1.81% return on assets against 1.79%; 4.33% net interest margin against 4.25%.
11.34% tier 1 leverage ratio against 11.38%.
Inside the full First Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank & Trust Company rankings
Its closest position to the top of a national ranking is 734 of 3,611, for ROA; its furthest is 2,675 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.31% (Q4 2025) to 2.12% (Q3 2025) and its net interest margin ran from 4.16% (Q1 2025) to 4.44% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.81% | 0.73% | 4.26% | 4.33% |
| Q1 2026 | 11.61% | 1.53% | 0.75% | 4.27% | 4.17% |
| Q4 2025 | 12.14% | 1.31% | 1.58% | 8.65% | 4.32% |
| Q3 2025 | 11.76% | 2.12% | 1.55% | 8.93% | 4.44% |
| Q2 2025 | 11.38% | 1.79% | 1.51% | 9.35% | 4.25% |
| Q1 2025 | 11.40% | 1.86% | 0.14% | 0.85% | 4.16% |
| Q4 2024 | 11.87% | 1.81% | 0.17% | 1.09% | 4.36% |
| Q3 2024 | 11.40% | 2.10% | 0.18% | 1.09% | 4.35% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 Company (main office) | Perry , OK | 73077 | $133.8M |
| Pawnee Branch | Pawnee , OK | 74058 | $57.8M |
| Covington Branch | Covington , OK | 73730 | $25.7M |
| Billings Branch | Billings , OK | 74630 | $12.1M |
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 15, 2020 | Structure Change | Acquired The First National Bank of Pawnee Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1987 | Structure Change | Acquired The First State Bank in Billings Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 26, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 99 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 55 loans originated, $6.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $255.2 million in its FFIEC call report.
Where is First Bank & Trust Company headquartered?
It is headquartered in Perry, OK, United States.
When was First Bank & Trust Company founded?
It was established in 1934, per the FDIC institution directory.
Is First Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13946). 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.
How many branches does First Bank & Trust Company operate?
It operates 4 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 4.26% 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 & Trust Company previously called?
The charter now named First Bank & Trust Company has also operated as First National Bank and Trust Company, Perry, Oklahoma (1972-1994), per FDIC structure-change records.
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