First National Bank & Trust, Elk City, Oklahoma
Also written as FNB&T Elk City Oklahoma
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Data as of · sourced from FFIEC call reports. How we update
First National Bank & Trust, Elk City, Oklahoma is an FDIC-insured commercial bank headquartered in Elk City, OK, established in 1901 (FDIC certificate 4086), and it is supervised by the OCC. At Q2 2026 it reported total assets of $294.0M, down 2.1% from Q2 2025, the 85th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4086
- Headquarters
- Elk City, OK
- Established
- 1901
- Total assets, Q2 2026
- $294.0M
- Assets vs Q2 2025
- -2.1%
- Tier 1 leverage ratio, Q2 2026
- 13.09%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103101576
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank & Trust, Elk City, Oklahoma Q3 2026 call report, filed October 11, 2026 (preliminary)
- Holding company
- WESTERN OKLAHOMA FINANCIAL SERVICES, INC.
- Asset rank in state
- 85th of 169 in Oklahoma
First National Bank & Trust, Elk City, Oklahoma is one of the more profitable banks of its size. Based in Elk City, Oklahoma, it had $294 million in assets at June 30, 2026, down 2.1% from a year earlier. It returns 22.3% a year on shareholders' equity, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 12.6%). It also lost 4.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.1%). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 29% of Tier 1 capital, down from 43% a year earlier. Its $30 million commercial and industrial book is improving, with 9.13% past due or on nonaccrual, down from 10.97% a year earlier.
As of June 30, 2026, First National Bank & Trust, Elk City, Oklahoma reported a return on assets of 2.04%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 3.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank & Trust, Elk City, Oklahoma is the 85th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $294.0M, loans fell 4.0% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 19.4% of total loans, ahead of 1-4 family residential loans at 18.2%. The FDIC Summary of Deposits lists 3 offices for it, in Elk City, OK and Sayre, OK; its Elk City 2 offices book 88% of its branch deposits. By the capital ratios in its Q2 2026 call report, First National Bank & Trust, Elk City, Oklahoma meets the community bank leverage ratio test for well capitalized.
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
- 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
- April 19, 1901
- Former names
- The First National Bank & Trust (2006)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $265.0M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- -$38K
- Average total assets
- $310.1M
- Average total loans
- $156.2M
- Average interest-bearing deposits
- $207.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4086
- Fed RSSD
- 114457
- Website
- www.fnbec.com →
- Parent Holding Company
- WESTERN OKLAHOMA FINANCIAL SERVICES, INC. (RSSD 2293507)
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 National Bank & Trust, Elk City, Oklahoma 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 National Bank & Trust, Elk City, Oklahoma's total assets ranged from $293.7M (Q1 2026) to $315.4M (Q1 2024), 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
$294.0M total assets against $300.2M; $265.3M total liabilities against $277.5M.
$151.3M net loans and leases against $155.9M; $265.0M total deposits against $277.1M.
$105.6M securities against $113.1M; $29.8M cash and balances due against $23.1M.
$3.9M total interest income against $4.2M; $1.1M total interest expense against $1.4M.
$2.8M net interest income against $2.9M.
$315K total noninterest income against $345K; $1.6M total noninterest expense against $1.5M.
-$2K provision for credit losses against $28K.
$1.6M net income against $1.7M.
2.04% return on assets against 2.07%; 3.89% net interest margin against 3.84%.
13.09% tier 1 leverage ratio against 12.53%.
Inside the full First National Bank & Trust, Elk City, Oklahoma terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank & Trust, Elk City, Oklahoma rankings
Its closest position to the top of a national ranking is 441 of 3,611, for ROA; its furthest is 2,493 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.76% (Q4 2024) to 2.30% (Q3 2025) and its net interest margin ran from 3.62% (Q3 2024) to 4.02% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.09% | 2.04% | 0.56% | 3.16% | 3.89% |
| Q1 2026 | 13.22% | 2.01% | 0.95% | 5.36% | 3.87% |
| Q4 2025 | 12.87% | 1.84% | 1.67% | 9.91% | 3.95% |
| Q3 2025 | 12.60% | 2.30% | 0.16% | 2.15% | 4.02% |
| Q2 2025 | 12.53% | 2.07% | 0.69% | 5.86% | 3.84% |
| Q1 2025 | 12.13% | 2.03% | 0.62% | 4.99% | 3.68% |
| Q4 2024 | 12.03% | 1.76% | 0.87% | 6.07% | 3.67% |
| Q3 2024 | 12.23% | 2.23% | 0.88% | 5.86% | 3.62% |
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 |
|---|---|---|---|
| The First National Bank & Trust | Elk City , OK | 73644 | $234.1M |
| Sayre Branch | Sayre , OK | 73662 | $30.8M |
| Main Branch | Elk City , OK | 73644 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 91 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $113K approved, $113K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 National Bank & Trust, Elk City, Oklahoma
What are First National Bank & Trust, Elk City, Oklahoma's total assets?
As of the Q2 2026 filing, First National Bank & Trust, Elk City, Oklahoma reported total assets of $294.0 million in its FFIEC call report.
Where is First National Bank & Trust, Elk City, Oklahoma headquartered?
It is headquartered in Elk City, OK, United States.
When was First National Bank & Trust, Elk City, Oklahoma founded?
It was established in 1901, per the FDIC institution directory.
Is First National Bank & Trust, Elk City, Oklahoma FDIC-insured?
Yes. It 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.
How many branches does First National Bank & Trust, Elk City, Oklahoma 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 National Bank & Trust, Elk City, Oklahoma's Texas Ratio?
Its Texas Ratio is 3.16% 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 National Bank & Trust, Elk City, Oklahoma previously called?
The charter now named First National Bank & Trust, Elk City, Oklahoma has also operated as The First National Bank & Trust (2006), per FDIC structure-change records.
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