First Bank and Trust Company
Clinton, OK · Cert 15348 · Peer group: banks under $1B in assets in OK (n=88-89) · Clinton Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$58.2MAssets
$21.2MLoans
$47.1MDeposits
$8.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
- Widest gap: return on equity trails 58% of banks under $1B in assets in OK (rank 52 of 89).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.41%
Rank 31 of 89
Net Interest Margin
3.92%
Rank 46 of 89
Efficiency Ratio
57.17%
Rank 33 of 89
Equity / Assets
14.78%
Rank 16 of 89
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 64% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.85% | 1.26% | 1.60% | Beats 65% | 31 / 89 | | |
| Return on Equity | 9.55% | 7.40% | 11.89% | 14.65% | Beats 42% | 52 / 89 | | |
| Net Interest Margin | 3.92% | 3.46% | 3.93% | 4.45% | Beats 48% | 46 / 89 | | |
| Efficiency Ratio | 57.17% | 54.70% | 60.95% | 71.14% | Beats 64% | 33 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.30% | 0.82% | 2.25% | Beats 85% | 14 / 88 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 16.68% | 10.89% | 13.00% | 16.33% | Beats 79% | 19 / 89 | | |
| Total Risk-Based Capital Ratio | 16.68% | 11.20% | 13.06% | 16.33% | Beats 76% | 21 / 89 | | |
| Equity / Assets | 14.78% | 9.26% | 10.94% | 13.52% | Beats 82% | 16 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.08% | 61.51% | 72.27% | 84.01% | 15th pctl | 75 / 88 | | |
| Loans / Assets | 36.52% | 52.51% | 63.15% | 71.27% | 15th pctl | 76 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |