First Bank & Trust Company
Perry, OK · Cert 13946 · Peer group: banks under $1B in assets in OK (n=88-89) · FNBT Bancshares Perry OK Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$255.2MAssets
$150.5MLoans
$229.3MDeposits
$24.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 67% of banks under $1B in assets in OK (rank 29 of 89).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in OK (rank 83 of 88).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.35%
Rank 38 of 89
Net Interest Margin
4.02%
Rank 39 of 89
Efficiency Ratio
57.78%
Rank 37 of 89
Equity / Assets
9.76%
Rank 62 of 89
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 60% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.85% | 1.26% | 1.60% | Beats 57% | 38 / 89 | |
| Return on Equity | 13.86% | 7.40% | 11.89% | 14.65% | Beats 67% | 29 / 89 | |
| Net Interest Margin | 4.02% | 3.46% | 3.93% | 4.45% | Beats 56% | 39 / 89 | |
| Efficiency Ratio | 57.78% | 54.70% | 60.95% | 71.14% | Beats 60% | 37 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.30% | 0.82% | 2.25% | Beats 52% | 43 / 88 | |
| Net Charge-Offs / Loans | 0.83% | 0.00% | 0.03% | 0.20% | Beats 7% | 83 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 11.34% | 10.89% | 13.00% | 16.33% | Beats 31% | 61 / 89 | |
| Total Risk-Based Capital Ratio | 11.34% | 11.20% | 13.06% | 16.33% | Beats 30% | 62 / 89 | |
| Equity / Assets | 9.76% | 9.26% | 10.94% | 13.52% | Beats 30% | 62 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 65.63% | 61.51% | 72.27% | 84.01% | 34th pctl | 58 / 88 | |
| Loans / Assets | 58.99% | 52.51% | 63.15% | 71.27% | 38th pctl | 55 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |