PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Bank and Trust Company

Clinton, OK · Cert 15348 · Clinton Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$58.2MAssets
$21.2MLoans
$47.1MDeposits
$8.6MEquity
Loan mix
67%RE $13.7M15%C&I $3.1M18%Consumer $3.8MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $31.7M33%Noninterest $15.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.52%, up 21 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.02% of loans (-57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.68%, up 43 bps from a year ago.
  • Funding: loans stand at 45.08% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.52%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.08%-5 bps YoY

Efficiency Ratio (quarter, annualized)

55.90%-598 bps YoY

Tier 1 Leverage Ratio

16.68%+43 bps YoY

NIM

5.15%Q2 ’244.82%Q2 ’254.89%Q2 ’26-9%-1%

Non-interest income vs. expense

2.57%Q2 ’242.67%Q2 ’252.47%Q2 ’26+21%-14%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.45%1.71%1.32%1.42%1.57%1.32%1.52%+21 bps
Return on Equity14.96%11.61%13.37%9.67%10.20%11.01%9.24%10.61%+94 bps
Net Interest Margin4.17%4.13%4.13%4.14%4.15%4.28%3.71%4.08%-5 bps
Efficiency Ratio50.14%60.49%52.07%61.88%57.77%58.73%58.58%55.90%-598 bps
Non-Interest Burden1.85%2.30%1.97%2.49%2.34%2.28%2.09%2.14%-36 bps
Growth
Asset Growth (YoY)8.07%-3.72%0.17%0.58%-8.36%-5.47%3.14%1.81%+123 bps
Loan Growth (YoY)3.98%1.90%-0.60%-3.10%-5.91%-1.33%-0.67%6.48%+958 bps
Deposit Growth (YoY)12.75%-3.68%1.56%1.86%-6.40%-6.60%1.69%1.04%-82 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.77%0.45%0.59%0.03%0.48%0.10%0.02%-57 bps
Net Charge-Offs / Loans0.07%0.00%0.00%0.12%0.06%0.02%0.00%0.00%-12 bps
Allowance / Loans1.27%1.28%1.30%1.33%1.30%1.25%1.26%1.23%-10 bps
Allowance Coverage of NPLs1.3x1.7x2.9x2.3x43.7x2.6x12.4x65.3x+63.0x
Capital
Tier 1 Leverage Ratio14.89%14.81%15.95%16.25%16.17%16.49%16.01%16.68%+43 bps
Total Risk-Based Capital14.89%14.81%15.95%16.25%16.17%16.49%16.01%16.68%+43 bps
Equity / Assets12.65%12.25%13.32%13.92%13.95%14.66%13.98%14.78%+86 bps
Liquidity & Funding
Loans / Deposits43.19%45.68%44.19%42.78%43.41%48.25%43.17%45.08%+230 bps
Liquid Assets / Assets28.11%30.03%31.79%32.80%33.36%34.24%37.57%38.87%+607 bps
CRE / Total Capitaln/an/an/an/a10.16%8.96%9.15%n/an/a