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 Reserve coverage of non-performing loans: 14.85 percentage points higher than in Q1 2026, at 104.72%. First Bank & Trust Company ranks 55th of 169 Oklahoma banks on return on assets, in the upper half at 1.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Bank & Trust Company sits 0.56 points higher, at 1.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.34% |
| Equity capital to assets | 9.76% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.75% |
| Non-performing assets ratio | 0.44% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 4.34% |
| Allowance for credit losses to loans | 0.78% |
| Reserve coverage of non-performing loans | 104.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 19.04% |
| Net interest margin | 4.33% |
| Efficiency ratio | 54.81% |
| Yield on earning assets | 5.81% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.63% |
| Core deposits to total deposits | 92.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.88% |
| Securities to assets | 34.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.96% | 2.27% | 4.43% | 0.44% | -0.82% |
| Q4 2023 | 11.45% | 1.76% | 4.24% | 0.36% | 0.06% |
| Q1 2024 | 11.27% | 2.01% | 4.24% | 0.22% | -0.03% |
| Q2 2024 | 11.20% | 1.81% | 4.22% | 0.22% | 0.00% |
| Q3 2024 | 11.40% | 2.10% | 4.35% | 0.32% | 0.01% |
| Q4 2024 | 11.87% | 1.81% | 4.36% | 0.30% | 0.00% |
| Q1 2025 | 11.40% | 1.86% | 4.16% | 0.25% | 0.09% |
| Q2 2025 | 11.38% | 1.79% | 4.25% | 1.62% | -0.01% |
| Q3 2025 | 11.76% | 2.12% | 4.44% | 1.64% | 0.22% |
| Q4 2025 | 12.14% | 1.31% | 4.32% | 1.66% | 0.03% |
| Q1 2026 | 11.61% | 1.53% | 4.17% | 0.76% | 3.17% |
| Q2 2026 | 11.34% | 1.81% | 4.33% | 0.75% | 0.09% |
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 13946) · FFIEC NIC profile (RSSD 640956)