TellerScore

First Bank & Trust Company is a state-chartered bank headquartered in Perry, Oklahoma, in business for about 92 years. At the end of Q2 2026 it reported $255.2M in total assets and $229.3M in deposits, with 4 offices.

First Bank & Trust Company has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 53rd. Problem-loan coverage contributes the most (92/100, 4.2%); capital cushion contributes the least (63/100, 11.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.34%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.73%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 65.1% · 23.8% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.23%

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 6 points (72 → 78), mostly because the loan quality component improved by 26 points.

TellerScore
728087Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202486
Q4 202487
Q1 202586
Q2 202572
Q3 202574
Q4 202573
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%8.57%12.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.20%
Q3 202411.40%
Q4 202411.87%
Q1 202511.40%
Q2 202511.38%
Q3 202511.76%
Q4 202512.14%
Q1 202611.61%
Q2 202611.34%
Noncurrent loans
0.14%0.86%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.22%
Q3 20240.18%
Q4 20240.17%
Q1 20250.14%
Q2 20251.51%
Q3 20251.55%
Q4 20251.58%
Q1 20260.75%
Q2 20260.73%
Return on assets
1.58%1.82%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.98%
Q3 20242.05%
Q4 20242.00%
Q1 20251.94%
Q2 20251.90%
Q3 20251.99%
Q4 20251.83%
Q1 20261.58%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$255.2M11.34%0.73%1.73%65.1%
Q1 202677$260.6M11.61%0.75%1.58%63.7%
Q4 202573$245.1M12.14%1.58%1.83%66.6%
Q3 202574$241.2M11.76%1.55%1.99%66.4%
Q2 202572$239.4M11.38%1.51%1.90%64.9%
Q1 202586$248.9M11.40%0.14%1.94%64.2%
Q4 202487$236.4M11.87%0.17%2.00%66.3%
Q3 202486$228.8M11.40%0.18%2.05%65.6%
Q2 202485$230.2M11.20%0.22%1.98%68.0%

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).

Capital ratio11.34%
56th
Total risk-based capital0.00%
24th
Problem loans0.73%
36th
Net charge-offs1.63%
1st
Return on assets1.73%
77th
Net interest margin4.37%
74th
Efficiency ratio57.3%
65th
Loans to deposits65.1%
76th
Uninsured deposits23.8%
50th
Loan-loss reserves0.78%
10th
Texas ratio4.2%
40th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Grand LakeBank Grove, OK65 out of 100, Moderate$249.1M10.1%0.96%vs
YnbBank Yukon, OK60 out of 100, Moderate$261.4M8.5%0.39%vs
The Idabel National BankBank Idabel, OK52 out of 100, Below average$242.3M16.2%8.39%vs
Method BankBank Wyandotte, OK66 out of 100, Moderate$241.2M9.8%0.70%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
Old Glory BankBank Elmore City, OK21 out of 100, Low$276.8M2.7%6.58%vs

Deposit insurance

Is my money safe at First Bank & Trust Company?

Yes. First Bank & Trust Company is an FDIC-insured institution (FDIC certificate #13946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.8% of deposits ($54.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Bank & Trust Company lists 4 offices in 4 cities. Most locations:

  • Billings, OK (1)
  • Covington, OK (1)
  • Pawnee, OK (1)
  • Perry, OK (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Bank & Trust Company reported 81 home-loan applications under HMDA (LEI 549300RPDWEFBGPJPW67): 55 originated ($6,915,000 total), 7 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Bank & Trust Company
Former names
First National Bank in Perry; First National Bank and Trust Company, Perry, Oklahoma
Type
State-chartered bank
FDIC certificate #
13946
RSSD ID
640956
Primary regulator
FDIC
Holding company
Fnbt Bancshares Perry Ok Inc
Established
February 21, 1934
Headquarters
401 N 7th St, Perry, OK 73077
Employees
53

Quick answers

First Bank & Trust Company: common questions

Is First Bank & Trust Company FDIC insured?

Yes. First Bank & Trust Company is an FDIC-insured institution (FDIC certificate #13946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank & Trust Company's TellerScore?

78 out of 100 (Strong), 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 Company ever failed?

There is no failure record for FDIC certificate #13946 in the FDIC failed bank list.

How many branches does First Bank & Trust Company have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Perry

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
Okunity Federal Credit UnionCredit union Stillwater, OK72 out of 100, Strong$214.7M12.3%0.48%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
The Bank, National AssociationBank Mcalester, OK68 out of 100, Moderate$488.1M10.9%1.30%vs