What is First Bank & Trust Co.'s financial health grade?

First Bank & Trust Co. has a TFS Financial Health Grade of C (score: 75.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Bank & Trust Co. have?

First Bank & Trust Co. has 14 branch locations across the United States.

Is First Bank & Trust Co. FDIC insured?

Yes, First Bank & Trust Co. is FDIC insured (Certificate #27394).

What are the total assets of First Bank & Trust Co.?

First Bank & Trust Co. has total assets of $948.4M as reported in its most recent FDIC filing.

First Bank & Trust Co.

BankDuncan, Oklahoma

www.fb247.com

Total Assets

$948.4M

Total Deposits

$800.1M

Branches

Established

1988

TFS Health Grade

75.8 / 100

Average financial health

How we grade

First Bank & Trust Co. is a bank headquartered in Duncan, Oklahoma, established in 1988. With $948.4M in total assets and 14 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio

14.48%(8%)

Total Capital Ratio

19.85%(10%)

Non-Performing Loan Ratio

5.82%

Profitability

Return on Assets (ROA)

2.33%(1%)

Return on Equity (ROE)

16.60%(10%)

Net Interest Margin

4.61%

Efficiency Ratio

50.50%(60%)

Lending & Liquidity

Total Loans

$746.9M

Loan-to-Deposit Ratio

91.91%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

-1.51%

Deposit Growth (YoY)

-3.61%

Net Income

$22.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Bank & Trust Co.HQ	923 W Main St	Duncan	OK	11
First Bank & Trust Co.	301 W Main St	Ardmore	OK	11
First Bank & Trust Co.	1720 Mclish St	Ardmore	OK	11
First Bank & Trust Co.	1521 W Plato Rd	Duncan	OK	11
First Bank & Trust Co.	10th And Oak Streets	Duncan	OK	23
First Bank & Trust Co.	3805 W. Memorial Rd	Edmond	OK	11
First Bank & Trust Co.	313 West Main Street	Healdton	OK	11
First Bank & Trust Co.	101 S Main St	Lindsay	OK	11
First Bank & Trust Co.	2400 Alameda St	Norman	OK	11
First Bank & Trust Co.	2330 36th Ave Nw	Norman	OK	11
First Bank & Trust Co.	830 N Main St	Perkins	OK	11
First Bank & Trust Co.	300 W Main St	Stroud	OK	11
First Bank & Trust Co.	101 N Main St	Waurika	OK	11
First Bank & Trust Co.	215 W 2nd St	Wellston	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.