TellerScore

Headquartered in Clinton, Oklahoma, First Bank and Trust Company is a state-chartered bank (fed member) with $58.2M in total assets and $47.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1903.

First Bank and Trust Company has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 4th. Capital cushion contributes the most (100/100, 16.68%); funding & liquidity contributes the least (81/100, 45% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.68%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings93/100
Return on assets (annualized): 1.83%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 44.5% · 32.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.05%

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 4 points (92 → 96), mostly because the loan quality component improved by 19 points.

TellerScore
879296Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202487
Q4 202489
Q1 202594
Q2 202592
Q3 202596
Q4 202593
Q1 202694
Q2 202696
Tier 1 leverage ratio
5.00%10.84%16.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.54%
Q3 202414.89%
Q4 202414.81%
Q1 202515.95%
Q2 202516.25%
Q3 202516.17%
Q4 202516.49%
Q1 202616.01%
Q2 202616.68%
Noncurrent loans
0.02%0.51%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.81%
Q3 20241.00%
Q4 20240.77%
Q1 20250.45%
Q2 20250.59%
Q3 20250.03%
Q4 20250.48%
Q1 20260.10%
Q2 20260.02%
Return on assets
1.68%2.11%2.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.54%
Q3 20242.46%
Q4 20242.32%
Q1 20252.17%
Q2 20251.92%
Q3 20251.88%
Q4 20251.92%
Q1 20261.68%
Q2 20261.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$58.2M16.68%0.02%1.83%44.5%
Q1 202694$58.8M16.01%0.10%1.68%42.6%
Q4 202593$54.8M16.49%0.48%1.92%47.7%
Q3 202596$57.0M16.17%0.03%1.88%42.8%
Q2 202592$57.1M16.25%0.59%1.92%42.2%
Q1 202594$57.0M15.95%0.45%2.17%43.6%
Q4 202489$58.0M14.81%0.77%2.32%45.1%
Q3 202487$62.2M14.89%1.00%2.46%42.6%
Q2 202491$56.8M15.54%0.81%2.54%44.4%

546 peers · Under $100 million in assets

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 ratio16.68%
78th
Total risk-based capital0.00%
27th
Problem loans0.02%
68th
Net charge-offs0.00%
58th
Return on assets1.83%
85th
Net interest margin4.12%
61st
Efficiency ratio57.2%
78th
Loans to deposits44.5%
76th
Uninsured deposits32.5%
10th
Loan-loss reserves1.23%
50th
Texas ratio0.0%
69th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Grant County BankBank Medford, OK81 out of 100, Strong$58.4M15.6%0.12%vs
Farmers State Bank, Allen, OklahomaBank Allen, OK86 out of 100, Very strong$57.2M13.5%0.61%vs
The First Farmers National Bank of WaurikaBank Waurika, OK94 out of 100, Very strong$55.5M19.3%0.00%vs
The First State Bank of Pond Creek, OklahomaBank Pond Creek, OK83 out of 100, Strong$55.5M12.8%0.32%vs
Bank360Bank Cordell, OK42 out of 100, Below average$61.0M9.4%3.97%vs
First State BankBank Noble, OK67 out of 100, Moderate$61.5M11.3%0.76%vs

Deposit insurance

Is my money safe at First Bank and Trust Company?

Yes. First Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.5% of deposits ($15.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.68%, 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

1 location

Branches

First Bank and Trust Company lists 1 office in 1 city. Most locations:

  • Clinton, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Bank and Trust Company
Former names
First National Bank in Clinton; First National Bank and Trust Company in Clinton
Type
State-chartered bank (Fed member)
FDIC certificate #
15348
RSSD ID
157856
Primary regulator
FED
Holding company
Clinton Bancshares Inc
Established
January 1, 1903
Headquarters
501 Frisco Ave, Clinton, OK 73601
Employees
11

Quick answers

First Bank and Trust Company: common questions

Is First Bank and Trust Company FDIC insured?

Yes. First Bank and Trust Company is an FDIC-insured institution (FDIC certificate #15348). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank and Trust Company's TellerScore?

96 out of 100 (Very 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 and Trust Company ever failed?

There is no failure record for FDIC certificate #15348 in the FDIC failed bank list.

How many branches does First Bank and Trust Company have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Clinton

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Bank and Trust CompanyBank Clinton, OK82 out of 100, Strong$202.3M14.1%0.61%vs
Bank of HydroBank Hydro, OK76 out of 100, Strong$180.8M11.6%0.64%vs
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
High Plains BankBank Okeene, OK71 out of 100, Strong$330.2M10.8%0.97%vs
Southwest Bank of WeatherfordBank Weatherford, OK68 out of 100, Moderate$86.0M13.5%2.47%vs