First Bank & Trust Co.
Total assets
$952.1M
▼ -0.7% YoY
Deposits
$802.1M
▼ -2.2% YoY
Loans
$700.9M
▼ -6.4% YoY
Offices
14
ROA (annualized)
2.20%
peers 1.28%
ROE (annualized)
14.57%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First Bank & Trust Co. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.9% | -5.6 pts |
| Deposit growth (YoY) | -2.2% | +4.3% | -6.5 pts |
| Loan growth (YoY) | -6.4% | +5.3% | -11.7 pts |
| ROA | 2.20% | 1.28% | +0.9 pts |
| ROE | 14.6% | 12.4% | +2.1 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
Profile
- Established
- 1988
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 923 W Main St, Duncan, OK, 73533
- County
- Stephens
- Metro area
- Duncan, OK
- Offices
- 14
- FDIC cert #
- 27394
- RSSD ID
- 1228034
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $952.1M | $802.1M | $700.9M | $145.3M | $10.5M | 2.20% | 4.66% | 3.94% |
| Q1 2026 | $952.2M | $800.5M | $737.0M | $143.1M | $5.1M | 2.13% | 4.60% | 4.68% |
| Q4 2025 | $948.4M | $800.1M | $735.3M | $142.9M | $22.4M | 2.33% | 4.61% | 4.63% |
| Q3 2025 | $955.9M | $812.0M | $746.1M | $138.3M | $15.9M | 2.19% | 4.54% | 4.32% |
| Q2 2025 | $958.4M | $820.0M | $748.6M | $133.9M | $10.1M | 2.08% | 4.47% | 4.17% |
| Q1 2025 | $982.4M | $846.2M | $731.2M | $131.0M | $5.1M | 2.11% | 4.38% | 3.65% |
| Q4 2024 | $963.0M | $830.1M | $721.6M | $128.3M | $16.9M | 1.89% | 3.99% | 1.81% |
| Q3 2024 | $880.8M | $752.5M | $712.8M | $123.8M | $10.8M | 1.65% | 3.88% | 1.93% |
Loan mix (Q2 2026): real estate $649.2M · commercial $35.8M · consumer $19.6M · securities $171.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 1.28% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.89% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 61.2% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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