First Bank & Trust Co. (FDIC certificate #27394) is based in Duncan, Oklahoma. Its Q2 2026 call report shows $952.1M in total assets and $802.1M in deposits and 14 offices.
First Bank & Trust Co. has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 125th. Earnings contributes the most (100/100, 2.20%); loan quality contributes the least (0/100, 5.22%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (56 → 61), mostly because the capital cushion component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 55 |
| Q2 2025 | 56 |
| Q3 2025 | 57 |
| Q4 2025 | 59 |
| Q1 2026 | 59 |
| Q2 2026 | 61 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.72% |
| Q3 2024 | 14.04% |
| Q4 2024 | 12.86% |
| Q1 2025 | 12.68% |
| Q2 2025 | 13.56% |
| Q3 2025 | 13.92% |
| Q4 2025 | 14.48% |
| Q1 2026 | 14.67% |
| Q2 2026 | 14.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.27% |
| Q3 2024 | 2.30% |
| Q4 2024 | 2.33% |
| Q1 2025 | 4.79% |
| Q2 2025 | 5.22% |
| Q3 2025 | 5.40% |
| Q4 2025 | 5.82% |
| Q1 2026 | 5.89% |
| Q2 2026 | 5.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.65% |
| Q4 2024 | 1.89% |
| Q1 2025 | 2.11% |
| Q2 2025 | 2.08% |
| Q3 2025 | 2.19% |
| Q4 2025 | 2.33% |
| Q1 2026 | 2.13% |
| Q2 2026 | 2.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $952.1M | 14.89% | 5.22% | 2.20% | 87.4% |
| Q1 2026 | 59 | $952.2M | 14.67% | 5.89% | 2.13% | 92.1% |
| Q4 2025 | 59 | $948.4M | 14.48% | 5.82% | 2.33% | 91.9% |
| Q3 2025 | 57 | $955.9M | 13.92% | 5.40% | 2.19% | 91.9% |
| Q2 2025 | 56 | $958.4M | 13.56% | 5.22% | 2.08% | 91.3% |
| Q1 2025 | 55 | $982.4M | 12.68% | 4.79% | 2.11% | 86.4% |
| Q4 2024 | 63 | $963.0M | 12.86% | 2.33% | 1.89% | 86.9% |
| Q3 2024 | 63 | $880.8M | 14.04% | 2.30% | 1.65% | 94.7% |
| Q2 2024 | 60 | $876.7M | 13.72% | 2.27% | 1.44% | 95.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of OklahomaBank Oklahoma City, OK | 66 out of 100, Moderate | $949.9M | 10.5% | 1.39% | vs |
| Security BankBank Tulsa, OK | 81 out of 100, Strong | $939.0M | 11.8% | 0.15% | vs |
| Valliance BankBank Oklahoma City, OK | 47 out of 100, Below average | $923.3M | 9.3% | 1.58% | vs |
| F&M BankBank Edmond, OK | 71 out of 100, Strong | $915.3M | 10.0% | 0.36% | vs |
| SpiritBankBank Tulsa, OK | 63 out of 100, Moderate | $912.8M | 9.3% | 0.86% | vs |
| Vision BankBank Ada, OK | 47 out of 100, Below average | $999.6M | 9.2% | 2.59% | vs |
Deposit insurance
Is my money safe at First Bank & Trust Co.?
Yes. First Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #27394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.7% of deposits ($326.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.27% (benchmark: 10%).
14 locations
Branches
First Bank & Trust Co. lists 13 offices in 10 cities. Most locations:
- Ardmore, OK (2)
- Duncan, OK (2)
- Norman, OK (2)
- Edmond, OK (1)
- Healdton, OK (1)
- Lindsay, OK (1)
- Perkins, OK (1)
- Stroud, OK (1)
- Waurika, OK (1)
- Wellston, OK (1)
Identity & history
Profile
- Legal name
- First Bank & Trust Co.
- Type
- State-chartered bank
- FDIC certificate #
- 27394
- RSSD ID
- 1228034
- Primary regulator
- FDIC
- Established
- December 8, 1988
- Headquarters
- 923 W Main St, Duncan, OK 73533
- Website
- www.fb247.com
- Employees
- 192
Quick answers
First Bank & Trust Co.: common questions
Is First Bank & Trust Co. FDIC insured?
Yes. First Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #27394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank & Trust Co.'s TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #27394 in the FDIC failed bank list.
How many branches does First Bank & Trust Co. have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Duncan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Walters Bank and Trust CompanyBank Walters, OK | 99 out of 100, Very strong | $70.3M | 20.0% | 0.06% | vs |
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| Endurance Federal Credit UnionCredit union Duncan, OK | 83 out of 100, Strong | $196.5M | 13.7% | 0.21% | vs |