First National Bank & Trust, Elk City, Oklahoma: 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: 161.65 percentage points higher than in Q1 2026, at 363.09%. Within Oklahoma, First National Bank & Trust, Elk City, Oklahoma is 35th of 169 on return on assets, 2.04% as of Q2 2026, above the middle of the field. First National Bank & Trust, Elk City, Oklahoma's return on assets of 2.04% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.80 points (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 | 13.09% |
| Equity capital to assets | 9.74% |
| Tangible equity to tangible assets | 9.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.16% |
| Allowance for credit losses to loans | 1.99% |
| Reserve coverage of non-performing loans | 363.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 22.33% |
| Net interest margin | 3.89% |
| Efficiency ratio | 47.63% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.25% |
| Core deposits to total deposits | 84.59% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.13% |
| Securities to assets | 35.91% |
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 | 12.24% | 2.29% | 3.77% | 1.15% | -0.01% |
| Q4 2023 | 11.61% | 1.85% | 3.80% | 0.22% | 0.03% |
| Q1 2024 | 11.88% | 2.01% | 3.61% | 0.16% | -0.02% |
| Q2 2024 | 12.01% | 2.09% | 3.68% | 1.39% | 0.02% |
| Q3 2024 | 12.23% | 2.23% | 3.62% | 1.70% | -0.01% |
| Q4 2024 | 12.03% | 1.76% | 3.67% | 0.87% | 0.11% |
| Q1 2025 | 12.13% | 2.03% | 3.68% | 0.53% | -0.02% |
| Q2 2025 | 12.53% | 2.07% | 3.84% | 0.69% | 0.01% |
| Q3 2025 | 12.60% | 2.30% | 4.02% | 0.16% | 0.05% |
| Q4 2025 | 12.87% | 1.84% | 3.95% | 1.53% | -0.01% |
| Q1 2026 | 13.22% | 2.01% | 3.87% | 0.95% | -0.09% |
| Q2 2026 | 13.09% | 2.04% | 3.89% | 0.55% | -0.00% |
First National Bank & Trust, Elk City, Oklahoma vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank & Trust, Elk City, Oklahoma, 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 National Bank & Trust, Elk City, Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4086) · FFIEC NIC profile (RSSD 114457)