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First Bank & Trust Company
Perry, OK · FDIC Certificate #13946 · Chartered 02/2
Total assets
$255.15M
Total deposits
$229.32M
Total equity
$24.91M
Net loans
$149.33M
Branches (offices)
4
Net income (YTD)
$2.20M
Rank: #2,686 of 4,213 U.S. banks by assets · #90 of 168 in Oklahoma. Assets changed 6.6% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 17.45% |
| Net interest margin (YTD) | 4.37% |
| Equity to assets | 9.76% |
| Tier 1 leverage ratio | 11.34% |
| Uninsured deposits (share of deposits) | 23.8% |
| Noncurrent loans (share of loans) | 0.73% |
| Net charge-offs (share of loans) | 1.63% |
| Loans to deposits | 65.1% |
| Real estate loans (share of loans) | 59.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.74M | 59.4% | |
| Commercial & industrial | $11.76M | 7.9% | |
| Consumer / individual | $11.70M | 7.8% | |
| Construction & development | $5.75M | 3.9% | |
| Agricultural | $38.02M | 25.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $229.85M | $213.23M | $1.84M | $16.09M |
| Jun 2023 | $226.98M | $206.55M | $2.39M | $16.67M |
| Jun 2024 | $230.21M | $204.13M | $2.29M | $19.63M |
| Jun 2025 | $239.39M | $217.03M | $2.30M | $21.53M |
| Jun 2026 | $255.15M | $229.32M | $2.20M | $24.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $229.32M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $229.32M.
Similar-sized banks
Wayne Bank And Trust Co. ($255.29M) · Bny Mellon Trust Of Delaware ($254.91M)
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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