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The First National Bank & Trust
Elk City, OK · FDIC Certificate #4086 · Chartered 04/1
Total assets
$293.96M
Total deposits
$264.96M
Total equity
$28.64M
Net loans
$151.26M
Branches (offices)
3
Net income (YTD)
$3.12M
Rank: #2,503 of 4,213 U.S. banks by assets · #85 of 168 in Oklahoma. Assets changed -2.1% and deposits -4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.12% |
| Return on equity | 22.12% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 9.74% |
| Tier 1 leverage ratio | 13.09% |
| Uninsured deposits (share of deposits) | 19.1% |
| Noncurrent loans (share of loans) | 0.56% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 57.1% |
| Real estate loans (share of loans) | 62.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.72M | 62.6% | |
| Commercial & industrial | $30.02M | 19.8% | |
| Consumer / individual | $1.61M | 1.1% | |
| Construction & development | $1.56M | 1.0% | |
| Agricultural | $27.98M | 18.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $315.60M | $294.13M | $3.54M | $21.33M |
| Jun 2023 | $295.90M | $274.05M | $3.59M | $21.40M |
| Jun 2024 | $311.66M | $287.70M | $3.37M | $23.40M |
| Jun 2025 | $300.24M | $277.06M | $3.32M | $22.75M |
| Jun 2026 | $293.96M | $264.96M | $3.12M | $28.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $264.96M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $264.96M.
Similar-sized banks
Mcclain Bank ($294.01M) · Community 1St Bank Las Vegas ($293.86M)
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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