TellerScore

First Bethany Bank & Trust (FDIC certificate #4228) is based in Bethany, Oklahoma. Its Q2 2026 call report shows $316.8M in total assets and $272.9M in deposits and 3 offices.

Based on its Q2 2026 filing, First Bethany Bank & Trust scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 79th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (41/100; 9.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.10%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.18%
Earnings67/100
Return on assets (annualized): 1.19%
Funding & liquidity80/100
Loans ÷ deposits and uninsured-deposit share: 72.0% · 22.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.77%

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 2 points (69 → 71), mostly because the earnings component improved by 11 points.

TellerScore
687071Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202470
Q1 202568
Q2 202569
Q3 202570
Q4 202569
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%7.10%9.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.86%
Q3 20248.91%
Q4 20249.04%
Q1 20258.73%
Q2 20259.04%
Q3 20259.20%
Q4 20259.10%
Q1 20269.19%
Q2 20269.10%
Noncurrent loans
0.00%0.13%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.19%
Q2 20250.18%
Q3 20250.18%
Q4 20250.17%
Q1 20260.26%
Q2 20260.18%
Return on assets
0.68%0.93%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.71%
Q4 20240.75%
Q1 20250.82%
Q2 20250.90%
Q3 20250.92%
Q4 20250.91%
Q1 20261.15%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$316.8M9.10%0.18%1.19%72.0%
Q1 202671$313.0M9.19%0.26%1.15%70.1%
Q4 202569$291.3M9.10%0.17%0.91%73.1%
Q3 202570$304.7M9.20%0.18%0.92%66.6%
Q2 202569$295.4M9.04%0.18%0.90%68.0%
Q1 202568$298.2M8.73%0.19%0.82%65.7%
Q4 202470$288.8M9.04%0.00%0.75%66.5%
Q3 202469$294.0M8.91%0.00%0.71%68.1%
Q2 202469$293.4M8.86%0.00%0.68%62.9%

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 ratio9.10%
14th
Total risk-based capital0.00%
24th
Problem loans0.18%
66th
Net charge-offs0.00%
68th
Return on assets1.19%
46th
Net interest margin3.29%
19th
Efficiency ratio63.1%
47th
Loans to deposits72.0%
66th
Uninsured deposits22.3%
56th
Loan-loss reserves0.96%
22nd
Texas ratio1.8%
60th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank and Trust Company of ArdmoreBank Ardmore, OK78 out of 100, Strong$318.8M10.6%0.00%vs
Patrons Bank, National AssociationBank Okmulgee, OK69 out of 100, Moderate$314.5M10.8%0.80%vs
The Payne County BankBank Perkins, OK83 out of 100, Strong$313.2M14.4%1.09%vs
The Bankers BankBank Oklahoma City, OK54 out of 100, Below average$310.5M12.7%1.93%vs
American Bank and Trust CompanyBank Tulsa, OK60 out of 100, Moderate$324.4M15.3%6.26%vs
High Plains BankBank Okeene, OK71 out of 100, Strong$330.2M10.8%0.97%vs

Deposit insurance

Is my money safe at First Bethany Bank & Trust?

Yes. First Bethany Bank & Trust is an FDIC-insured institution (FDIC certificate #4228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.3% of deposits ($60.9M) 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 9.10%, 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

3 locations

Branches

First Bethany Bank & Trust lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Bethany Bank & Trust reported 80 home-loan applications under HMDA (LEI 549300M16942DXVSKE61): 68 originated ($15,590,000 total), 1 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.4%, 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 Bethany Bank & Trust
Former names
The First National Bank of Bethany; First Bethany Bank & Trust, National Association; The First National Bank of Wheatland
Type
State-chartered bank (Fed member)
FDIC certificate #
4228
RSSD ID
988452
Primary regulator
FED
Holding company
First Bethany Bcorp Inc
Established
January 1, 1923
Headquarters
6500 Nw 39th Expy, Bethany, OK 73008
Employees
43

Quick answers

First Bethany Bank & Trust: common questions

Is First Bethany Bank & Trust FDIC insured?

Yes. First Bethany Bank & Trust is an FDIC-insured institution (FDIC certificate #4228). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bethany Bank & Trust's TellerScore?

71 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 Bethany Bank & Trust ever failed?

There is no failure record for FDIC certificate #4228 in the FDIC failed bank list.

How many branches does First Bethany Bank & Trust have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bethany

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
The First Bank of OkarcheBank Okarche, OK89 out of 100, Very strong$137.5M16.1%1.04%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs