First National Bank & Trust, Elk City, Oklahoma
Elk City, OK · Cert 4086 · Peer group: banks under $1B in assets in OK (n=88-89) · Western OK Finl Services Inc.
National charter · OCC · 3 branches
Q2 2026
$294.0MAssets
$154.3MLoans
$265.0MDeposits
$28.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets in OK (rank 12 of 89).
- Widest gap: equity / assets trails 71% of banks under $1B in assets in OK (rank 63 of 89).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.67%
Rank 18 of 89
Net Interest Margin
3.60%
Rank 63 of 89
Efficiency Ratio
50.02%
Rank 16 of 89
Equity / Assets
9.74%
Rank 63 of 89
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 83% 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 | 1.67% | 0.85% | 1.26% | 1.60% | Beats 80% | 18 / 89 | |
| Return on Equity | 17.10% | 7.40% | 11.89% | 14.65% | Beats 87% | 12 / 89 | |
| Net Interest Margin | 3.60% | 3.46% | 3.93% | 4.45% | Beats 29% | 63 / 89 | |
| Efficiency Ratio | 50.02% | 54.70% | 60.95% | 71.14% | Beats 83% | 16 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.30% | 0.82% | 2.25% | Beats 62% | 34 / 88 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 58% | 38 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 13.09% | 10.89% | 13.00% | 16.33% | Beats 54% | 41 / 89 | |
| Total Risk-Based Capital Ratio | 13.09% | 11.20% | 13.06% | 16.33% | Beats 51% | 44 / 89 | |
| Equity / Assets | 9.74% | 9.26% | 10.94% | 13.52% | Beats 29% | 63 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 58.25% | 61.51% | 72.27% | 84.01% | 23rd pctl | 68 / 88 | |
| Loans / Assets | 52.51% | 52.51% | 63.15% | 71.27% | 25th pctl | 67 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |