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First Bank And Trust Company
Clinton, OK · FDIC Certificate #15348 · Chartered 01/0
Total assets
$58.16M
Total deposits
$47.12M
Total equity
$8.59M
Net loans
$20.98M
Branches (offices)
1
Net income (YTD)
$523.00K
Rank: #3,977 of 4,213 U.S. banks by assets · #153 of 168 in Oklahoma. Assets changed 1.8% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 12.62% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 14.78% |
| Tier 1 leverage ratio | 16.68% |
| Uninsured deposits (share of deposits) | 32.5% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 44.5% |
| Real estate loans (share of loans) | 67.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $14.10M | 67.2% | |
| Commercial & industrial | $3.38M | 16.1% | |
| Consumer / individual | $3.75M | 17.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $17.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $63.85M | $49.45M | $358.00K | $5.93M |
| Jun 2023 | $61.91M | $45.58M | $747.00K | $6.51M |
| Jun 2024 | $56.80M | $45.78M | $736.00K | $7.05M |
| Jun 2025 | $57.13M | $46.63M | $551.00K | $7.95M |
| Jun 2026 | $58.16M | $47.12M | $523.00K | $8.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $47.12M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $47.12M.
Similar-sized banks
First State Bank ($58.20M) · First Financial Bank In Winnebago ($58.15M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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