First Bank & Trust Company
Duncan, OK · Cert 27394 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 14 branches
Q2 2026
$952.1MAssets
$710.2MLoans
$802.1MDeposits
$145.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 88% of banks under $1B in assets in OK (rank 11 of 89).
- Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in OK (rank 80 of 88).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.83%
Rank 12 of 89
Net Interest Margin
4.45%
Rank 23 of 89
Efficiency Ratio
55.51%
Rank 25 of 89
Equity / Assets
15.26%
Rank 13 of 89
Non-interest income vs. expense
Unfavorable gap of $20.0M · efficiency ratio beats 73% 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 | 1.83% | 0.85% | 1.26% | 1.60% | Beats 87% | 12 / 89 | |
| Return on Equity | 11.96% | 7.40% | 11.89% | 14.65% | Beats 52% | 43 / 89 | |
| Net Interest Margin | 4.45% | 3.46% | 3.93% | 4.45% | Beats 74% | 23 / 89 | |
| Efficiency Ratio | 55.51% | 54.70% | 60.95% | 71.14% | Beats 73% | 25 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.22% | 0.30% | 0.82% | 2.25% | Beats 10% | 80 / 88 | |
| Net Charge-Offs / Loans | 0.38% | 0.00% | 0.03% | 0.20% | Beats 17% | 74 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 20.02% | 10.89% | 13.00% | 16.33% | Beats 87% | 12 / 89 | |
| Total Risk-Based Capital Ratio | 21.27% | 11.20% | 13.06% | 16.33% | Beats 88% | 11 / 89 | |
| Equity / Assets | 15.26% | 9.26% | 10.94% | 13.52% | Beats 85% | 13 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 88.54% | 61.51% | 72.27% | 84.01% | 83rd pctl | 15 / 88 | |
| Loans / Assets | 74.60% | 52.51% | 63.15% | 71.27% | 82nd pctl | 16 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |