First National Bank & Trust, Elk City, Oklahoma
Asset quality shifted last quarter — NPLs fell to 0.95% from 1.53% in the prior period. First National Bank & Trust, Elk City, Oklahoma is a locally rooted FDIC-insured community bank based in Elk City, OK. Total assets stand at $294M. Profitability is strong — 2.01% ROA, paired with 21.94% ROE and a 3.87% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.22% exceeds the 9% CBLR threshold. Asset quality is solid — 0.95% nonperforming loans and a 5.36% Texas Ratio. It operates 3 branches, primarily in Oklahoma.
Headquarters Profile
- Address
- 2714 West Third Street, ELK CITY, OK 73644
- County
- Beckham
- Metro Area
- ELK CITY, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 13
- Established
- April 19, 1901
- Branches
- 3 domestic
- Employees (FTE)
- 41
- FDIC Cert
- 4086
- Fed RSSD
- 114457
- Website
- www.fnbec.com →
- Parent Holding Company
- WESTERN OKLAHOMA FINANCIAL SERVICES, INC. (RSSD 2293507)
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First National Bank & Trust, Elk City, Oklahoma rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about First National Bank & Trust, Elk City, Oklahoma
What are First National Bank & Trust, Elk City, Oklahoma's total assets?
As of the Q1 2026 filing, First National Bank & Trust, Elk City, Oklahoma reported total assets of $293.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank & Trust, Elk City, Oklahoma headquartered?
First National Bank & Trust, Elk City, Oklahoma is headquartered in ELK CITY, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank & Trust, Elk City, Oklahoma founded?
First National Bank & Trust, Elk City, Oklahoma was established in 1901, per the FDIC institution directory.
Is First National Bank & Trust, Elk City, Oklahoma FDIC-insured?
Yes. First National Bank & Trust, Elk City, Oklahoma is an FDIC-insured commercial bank (FDIC Certificate #4086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank & Trust, Elk City, Oklahoma?
First National Bank & Trust, Elk City, Oklahoma's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First National Bank & Trust, Elk City, Oklahoma operate?
First National Bank & Trust, Elk City, Oklahoma operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank & Trust, Elk City, Oklahoma's Texas Ratio?
First National Bank & Trust, Elk City, Oklahoma's Texas Ratio is 5.36% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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