First Bethany Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
First Bethany Bank & Trust is an FDIC-insured commercial bank headquartered in Bethany, OK, established in 1923 (FDIC certificate 4228), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $316.8M, up 7.2% from Q2 2025, the 79th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4228
- Headquarters
- Bethany, OK
- Established
- 1923
- Total assets, Q2 2026
- $316.8M
- Assets vs Q2 2025
- +7.2%
- Tier 1 leverage ratio, Q2 2026
- 9.10%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103009160
- Holding company
- FIRST BETHANY BANCORP, INC.
- Asset rank in state
- 79th of 169 in Oklahoma
First Bethany Bank & Trust leans heavily on commercial real estate. Its balance sheet stood at $317 million at June 30, 2026, up 7.2% from a year earlier; it is based in Bethany, Oklahoma. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 21.1% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 38% of Tier 1 capital, down from 54% a year earlier. Earnings jumped: net income for the quarter was $955,000, 33% above the same quarter a year earlier. Where it has less room is capital: it funds 9.10% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First Bethany Bank & Trust reported a return on assets of 1.17%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.77%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, First Bethany Bank & Trust is the 79th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.2% to $316.8M, loans rose 5.7% and deposits rose 2.9%. 1-4 family residential loans made up 34.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 32.6%. The FDIC Summary of Deposits lists 3 offices for it, in Bethany, OK and Oklahoma City, OK; its Bethany 2 offices book 100% of its branch deposits. Judged on its Q2 2026 call report, First Bethany Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6500 Nw 39th Expy, Bethany, OK 73008
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Former names
- First Bethany Bank & Trust, National Association (1998-2005); The First National Bank of Bethany (1941-1998)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $272.9M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $326.2M
- Average total loans
- $193.2M
- Average interest-bearing deposits
- $217.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4228
- Fed RSSD
- 988452
- Website
- https://www.firstbethany.com →
- Parent Holding Company
- FIRST BETHANY BANCORP, INC. (RSSD 1051175)
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 Bethany Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bethany Bank & Trust's total assets ran between $279.8M (Q4 2023) and $316.8M (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
$316.8M total assets against $295.4M; $298.4M total liabilities against $282.4M.
$196.6M net loans and leases against $171.0M; $272.9M total deposits against $251.4M.
$85.2M securities against $91.8M; $21.3M cash and balances due against $19.1M.
$3.8M total interest income against $3.4M; $1.4M total interest expense against $1.4M.
$2.4M net interest income against $2.0M.
$293K total noninterest income against $294K; $1.7M total noninterest expense against $1.5M.
$86K provision for credit losses against $73K.
$955K net income against $720K.
1.17% return on assets against 0.92%; 3.21% net interest margin against 2.76%.
9.10% tier 1 leverage ratio against 9.04%.
Inside the full First Bethany Bank & Trust 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.
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 Bethany Bank & Trust rankings
Its closest position to the top of a national ranking is 1,920 of 3,606, for efficiency ratio; its furthest is 2,349 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.74% (Q3 2024) to 1.17% (Q2 2026) and its net interest margin ran from 2.50% (Q3 2024) to 3.21% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.10% | 1.17% | 0.18% | 1.77% | 3.21% |
| Q1 2026 | 9.19% | 1.10% | 0.26% | 2.52% | 3.15% |
| Q4 2025 | 9.10% | 0.83% | 0.17% | 1.61% | 3.04% |
| Q3 2025 | 9.20% | 0.93% | 0.18% | 1.70% | 2.89% |
| Q2 2025 | 9.04% | 0.92% | 0.18% | 2.16% | 2.76% |
| Q1 2025 | 8.73% | 0.76% | 0.19% | 2.20% | 2.50% |
| Q4 2024 | 9.04% | 0.82% | 0.00% | 0.00% | 2.54% |
| Q3 2024 | 8.91% | 0.74% | 0.00% | 0.00% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Bethany Bank & Trust (main office) | Bethany , OK | 73008 | $272.9M |
| Motor Bank Branch | Bethany , OK | 73008 | $0 |
| Bethany Bank Branch | Oklahoma City , OK | 73119 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 84 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 79 applications, 68 loans originated, $15.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $27K approved, $27K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Bethany Bank & Trust
What are First Bethany Bank & Trust's total assets?
As of the Q2 2026 filing, First Bethany Bank & Trust reported total assets of $316.8 million in its FFIEC call report.
Where is First Bethany Bank & Trust headquartered?
It is headquartered in Bethany, OK, United States.
When was First Bethany Bank & Trust founded?
It was established in 1923, per the FDIC institution directory.
Is First Bethany Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bethany Bank & Trust?
First Bethany Bank & Trust's primary federal regulator is the Federal Reserve.
How many branches does First Bethany Bank & Trust operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bethany Bank & Trust's Texas Ratio?
Its Texas Ratio is 1.77% 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 Bethany Bank & Trust previously called?
The charter now named First Bethany Bank & Trust has also operated as First Bethany Bank & Trust, National Association (1998-2005), The First National Bank of Bethany (1941-1998), per FDIC structure-change records.
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