First Security Bank and Trust Company (Oklahoma City, OK)
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank and Trust Company is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1951 (FDIC certificate 17001), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $226.0M, down 0.6% from Q2 2025, the 95th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17001
- Headquarters
- Oklahoma City, OK
- Established
- 1951
- Total assets, Q2 2026
- $226.0M
- Assets vs Q2 2025
- -0.6%
- Tier 1 leverage ratio, Q2 2026
- 10.09%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103000677
- Latest call report
- Q2 2026, FFIEC 051 · First Security Bank and Trust Company call report
- Holding company
- FSB BANCSHARES, INC.
- Asset rank in state
- 95th of 169 in Oklahoma
Problem loans are rising at First Security Bank and Trust Company. The Oklahoma City, Oklahoma bank had $226 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 13.20% of loans from 2.33% a year earlier. It loses about $0.61 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $362,000 in the quarter. The commercial and industrial book ($74 million) is worsening: 31.98% of it is past due or on nonaccrual, up from 16.39% a year earlier. Funding is the softer spot: it pays an average of 3.61% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, First Security Bank and Trust Company reported a return on assets of -0.61%, a nonperforming-loan ratio of 13.20% and a Texas ratio of 94.71%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Security Bank and Trust Company is the 95th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 8.9% to $226.0M, loans fell 6.4% and deposits fell 10.4%. Commercial and industrial loans made up 37.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 28.1%. Its one office in the FDIC Summary of Deposits is in Oklahoma City, OK. On its Q2 2026 call report, First Security Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1541 Ne 23rd St, Oklahoma City, OK 73111
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1951
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $180.7M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $56K
- Average total assets
- $236.4M
- Average total loans
- $207.2M
- Average interest-bearing deposits
- $180.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 6, 1951
- FDIC Cert
- 17001
- Fed RSSD
- 377850
- SEC CIK
- 1871195 → filed by FSB BANCSHARES, INC.
- Website
- www.fsbokc.com →
- Parent Holding Company
- FSB BANCSHARES, INC. (RSSD 3602058)
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 Security Bank and Trust Company 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 Security Bank and Trust Company's total assets ranged from $101.9M (Q3 2023) to $255.1M (Q4 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$226.0M total assets against $227.3M; $202.1M total liabilities against $204.4M.
$195.2M net loans and leases against $205.2M; $180.7M total deposits against $176.2M.
$2.4M securities against $383K; $22.7M cash and balances due against $13.9M.
$4.2M total interest income against $4.7M; $1.9M total interest expense against $1.9M.
$2.3M net interest income against $2.8M.
$113K total noninterest income against $311K; $2.1M total noninterest expense against $1.5M.
$585K provision for credit losses against $1K.
-$362K net income against $1.6M.
-0.61% return on assets against 2.98%; 3.90% net interest margin against 5.31%.
10.09% tier 1 leverage ratio against 10.54%.
Inside the full First Security Bank and Trust Company 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.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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.
First Security Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1 of 3,640, for Texas Ratio; its furthest is 3,558 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.52% (Q1 2025) to 2.98% (Q2 2025) and its net interest margin ran from 3.55% (Q3 2025) to 6.09% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.09% | -0.61% | 13.20% | 94.71% | 3.90% |
| Q1 2026 | 9.62% | 0.93% | 8.89% | 68.78% | 3.87% |
| Q4 2025 | 9.45% | 1.75% | 7.19% | 57.63% | 4.11% |
| Q3 2025 | 9.65% | 1.32% | 7.76% | 64.21% | 3.55% |
| Q2 2025 | 10.54% | 2.98% | 2.33% | 18.47% | 5.31% |
| Q1 2025 | 11.56% | -1.52% | 1.61% | 11.67% | 5.38% |
| Q4 2024 | 14.27% | 1.11% | 1.85% | 11.71% | 5.66% |
| Q3 2024 | 16.94% | 2.03% | 0.89% | 4.73% | 6.09% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Security Bank and Trust Company (main office) | Oklahoma City , OK | 73111 | $180.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 110 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 202 applications, 176 loans originated, $35.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $8.9M approved, $808K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Security Bank and Trust Company
What are First Security Bank and Trust Company's total assets?
As of the Q2 2026 filing, First Security Bank and Trust Company reported total assets of $226.0 million in its FFIEC call report.
Where is First Security Bank and Trust Company headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was First Security Bank and Trust Company founded?
It was established in 1951, per the FDIC institution directory.
Is First Security Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17001). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Security Bank and Trust Company?
First Security Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does First Security Bank and Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Security Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 94.71% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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