PackageTrendsPeer
Letter portraitLegal landscape

First Security Bank and Trust Company

Oklahoma City, OK · Cert 17001 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · FSB Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$226.0MAssets
$199.3MLoans
$180.7MDeposits
$23.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 60% of banks under $1B in assets in the Oklahoma City, OK area (rank 10 of 25).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in the Oklahoma City, OK area (rank 25 of 25).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.20%

Rank 24 of 25

Net Interest Margin

3.96%

Rank 11 of 25

Efficiency Ratio

74.64%

Rank 17 of 25

Equity / Assets

10.54%

Rank 10 of 25

Non-interest income vs. expense

$0.9M$7.6MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 36% of banks under $1B in assets in the Oklahoma City, OK area
Bank 74.64%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.20%0.60%0.90%1.27%Beats 4%24 / 25
Return on Equity1.87%6.92%9.16%13.29%Beats 4%24 / 25
Net Interest Margin3.96%3.56%3.82%4.10%Beats 56%11 / 25
Efficiency Ratio74.64%56.35%63.12%79.22%Beats 36%17 / 25
Asset Quality
Nonperforming Loans / Loans13.20%0.33%0.76%2.35%Beats 4%25 / 25
Net Charge-Offs / Loans0.03%n/a0.00%0.05%Beats 40%16 / 25
Capital
Tier 1 Capital Ratio10.09%10.27%12.02%13.99%Beats 20%20 / 25
Total Risk-Based Capital Ratio10.09%10.27%12.44%15.25%Beats 20%20 / 25
Equity / Assets10.54%8.64%10.07%11.05%Beats 60%10 / 25
Liquidity & Funding
Loans / Deposits110.32%70.71%82.03%97.03%96th pctl1 / 25
Loans / Assets88.22%62.67%74.54%84.24%96th pctl1 / 25
Brokered Deposits / Depositsn/aNot reported for this institution