The First National Bank and Trust Company of Broken Arrow
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank and Trust Company of Broken Arrow is an FDIC-insured commercial bank headquartered in Broken Arrow, OK, supervised by the OCC, with $269.5M in total assets at Q2 2026, up 5.8% from Q2 2025, the 88th largest of 169 banks headquartered in Oklahoma. It was established in 1904 and holds FDIC certificate 4050. Its CET1 capital ratio was 19.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4050
- Headquarters
- Broken Arrow, OK
- Established
- 1904
- Total assets, Q2 2026
- $269.5M
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 19.97%
- Domestic offices
- 2 · The First National Bank and Trust Company of Broken Arrow branches FDIC institution directory, current count
- Routing number
- 103102889
- Safety and soundness
- Is The First National Bank and Trust Company of Broken Arrow safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank and Trust Company of Broken Arrow Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FIRST BROKEN ARROW CORPORATION
- Asset rank in state
- 88th of 169 in Oklahoma
The First National Bank and Trust Company of Broken Arrow is one of the more profitable banks of its size. Its balance sheet stood at $269 million at June 30, 2026, up 5.8% from a year earlier; it is based in Broken Arrow, Oklahoma. It earns about $2.42 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 6.16 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents). Much of that comes from cost control: it spends about 46 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.14% of loans from 2.72%. Loans are outrunning deposits: over the year loans rose 19.5% and deposits rose 3.9%.
As of June 30, 2026, The First National Bank and Trust Company of Broken Arrow reported a CET1 capital ratio of 19.97%, a return on assets of 2.42%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.70%. The figures come from its call report filed with the FFIEC.
The First National Bank and Trust Company of Broken Arrow ranks as the 88th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $269.5M, loans rose 5.8% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.1% of total loans, followed by non-owner-occupied commercial real estate loans at 20.5%. The FDIC Summary of Deposits lists 2 offices for it, in Broken Arrow, OK. By the capital ratios in its Q2 2026 call report, The First National Bank and Trust Company of Broken Arrow meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 121 S Main St, Broken Arrow, OK 74012
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 29, 1904
- Former names
- The First National Bank and Trust Company of Broken Arrow (1981)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $224.2M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $265.3M
- Average total loans
- $227.6M
- Average interest-bearing deposits
- $117.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4050
- Fed RSSD
- 145554
- Website
- fnbba.com →
- Parent Holding Company
- FIRST BROKEN ARROW CORPORATION (RSSD 1062050)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank and Trust Company of Broken Arrow's total assets ran between $233.9M (Q2 2024) and $278.1M (Q4 2025), 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
$269.5M total assets against $254.7M; $226.2M total liabilities against $217.6M.
$229.7M net loans and leases against $192.0M; $224.2M total deposits against $215.7M.
$12.4M securities against $14.1M; $16.3M cash and balances due against $37.8M.
$4.3M total interest income against $3.9M; $439K total interest expense against $434K.
$3.9M net interest income against $3.5M.
$259K total noninterest income against $255K; $1.9M total noninterest expense against $1.8M.
$120K provision for credit losses against $60K.
$1.6M net income against $1.5M.
2.42% return on assets against 2.32%; 6.16% net interest margin against 5.82%.
19.97% CET1 capital ratio against 19.40%; 16.42% tier 1 leverage ratio against 14.79%.
Inside the full The First National Bank and Trust Company of Broken Arrow 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The First National Bank and Trust Company of Broken Arrow rankings
Its closest position to the top of a national ranking is 196 of 3,611, for ROA; its furthest is 2,858 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.97% (Q4 2024) to 2.58% (Q4 2025) and its net interest margin ran from 5.81% (Q1 2025) to 6.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.97% | 2.42% | 0.14% | 0.70% | 6.16% |
| Q1 2026 | 20.46% | 2.51% | 0.16% | 0.80% | 5.92% |
| Q4 2025 | 20.89% | 2.58% | 0.55% | 2.62% | 5.93% |
| Q3 2025 | 20.53% | 2.36% | 0.74% | 3.52% | 5.86% |
| Q2 2025 | 19.40% | 2.32% | 2.72% | 13.24% | 5.82% |
| Q1 2025 | 18.06% | 2.17% | 2.40% | 12.46% | 5.81% |
| Q4 2024 | 17.87% | 1.97% | 2.05% | 10.64% | 6.07% |
| Q3 2024 | 19.08% | 2.14% | 1.52% | 7.37% | 5.85% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| The First National Bank and Trust Company of Broken Arrow | Broken Arrow , OK | 74012 | $192.3M |
| County Line Branch | Broken Arrow , OK | 74014 | $31.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- February 11, 2010, OCC: Formal Agreement: The First National Bank and Trust Company of Broken Arrow
- Period: Most recent institution action February 11, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 100 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 93 applications, 80 loans originated, $16.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $288K approved, $144K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The First National Bank and Trust Company of Broken Arrow
What are The First National Bank and Trust Company of Broken Arrow's total assets?
As of the Q2 2026 filing, The First National Bank and Trust Company of Broken Arrow reported total assets of $269.5 million in its FFIEC call report.
Where is The First National Bank and Trust Company of Broken Arrow headquartered?
It is headquartered in Broken Arrow, OK, United States.
When was The First National Bank and Trust Company of Broken Arrow founded?
It was established in 1904, per the FDIC institution directory.
Is The First National Bank and Trust Company of Broken Arrow FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4050). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank and Trust Company of Broken Arrow?
The First National Bank and Trust Company of Broken Arrow's primary federal regulator is the OCC.
What is The First National Bank and Trust Company of Broken Arrow's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank and Trust Company of Broken Arrow operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank and Trust Company of Broken Arrow's Texas Ratio?
Its Texas Ratio is 0.70% 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 The First National Bank and Trust Company of Broken Arrow previously called?
The charter now named The First National Bank and Trust Company of Broken Arrow has also operated as The First National Bank and Trust Company of Broken Arrow (1981), per FDIC structure-change records.
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