The First National Bank & Trust (FDIC certificate #4086) is based in Elk City, Oklahoma. Its Q2 2026 call report shows $294.0M in total assets and $265.0M in deposits and 3 offices.
Based on its Q2 2026 filing, The First National Bank & Trust scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 14th. Its strongest component is earnings (100/100; 2.12%), and its lowest is loan quality (81/100; 0.56%).
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 3 points (85 → 88), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 83 |
| Q4 2024 | 82 |
| Q1 2025 | 85 |
| Q2 2025 | 85 |
| Q3 2025 | 91 |
| Q4 2025 | 77 |
| Q1 2026 | 85 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.01% |
| Q3 2024 | 12.23% |
| Q4 2024 | 12.03% |
| Q1 2025 | 12.13% |
| Q2 2025 | 12.53% |
| Q3 2025 | 12.60% |
| Q4 2025 | 12.87% |
| Q1 2026 | 13.22% |
| Q2 2026 | 13.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.16% |
| Q4 2025 | 1.67% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.56% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.15% |
| Q3 2024 | 2.21% |
| Q4 2024 | 2.12% |
| Q1 2025 | 2.16% |
| Q2 2025 | 2.17% |
| Q3 2025 | 2.27% |
| Q4 2025 | 2.19% |
| Q1 2026 | 2.09% |
| Q2 2026 | 2.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $294.0M | 13.09% | 0.56% | 2.12% | 57.1% |
| Q1 2026 | 85 | $293.7M | 13.22% | 0.95% | 2.09% | 59.8% |
| Q4 2025 | 77 | $294.3M | 12.87% | 1.67% | 2.19% | 60.7% |
| Q3 2025 | 91 | $295.5M | 12.60% | 0.16% | 2.27% | 59.7% |
| Q2 2025 | 85 | $300.2M | 12.53% | 0.69% | 2.17% | 56.3% |
| Q1 2025 | 85 | $305.4M | 12.13% | 0.62% | 2.16% | 55.4% |
| Q4 2024 | 82 | $311.8M | 12.03% | 0.87% | 2.12% | 53.1% |
| Q3 2024 | 83 | $314.2M | 12.23% | 0.88% | 2.21% | 51.5% |
| Q2 2024 | 86 | $311.7M | 12.01% | 0.46% | 2.15% | 50.2% |
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 |
|---|---|---|---|---|---|
| McClain BankBank Purcell, OK | 76 out of 100, Strong | $294.0M | 9.5% | 0.28% | vs |
| Valor BankBank Edmond, OK | 71 out of 100, Strong | $302.6M | 8.7% | 0.32% | vs |
| Security State BankBank Cheyenne, OK | 77 out of 100, Strong | $279.5M | 10.7% | 0.67% | vs |
| The Bankers BankBank Oklahoma City, OK | 54 out of 100, Below average | $310.5M | 12.7% | 1.93% | vs |
| Old Glory BankBank Elmore City, OK | 21 out of 100, Low | $276.8M | 2.7% | 6.58% | vs |
| The Payne County BankBank Perkins, OK | 83 out of 100, Strong | $313.2M | 14.4% | 1.09% | vs |
Deposit insurance
Is my money safe at The First National Bank & Trust?
Yes. The First National Bank & Trust is an FDIC-insured institution (FDIC certificate #4086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.1% of deposits ($50.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.09%, 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%).
3 locations
Branches
The First National Bank & Trust lists 3 offices in 2 cities. Most locations:
- Elk City, OK (2)
- Sayre, OK (1)
Identity & history
Profile
- Legal name
- The First National Bank & Trust
- Former names
- The First National Bank of Elk City
- Type
- National bank
- FDIC certificate #
- 4086
- RSSD ID
- 114457
- Primary regulator
- OCC
- Holding company
- Western Ok Finl Services Inc
- Established
- April 19, 1901
- Headquarters
- 2714 West Third Street, Elk City, OK 73644
- Website
- www.fnbec.com
- Employees
- 41
Quick answers
The First National Bank & Trust: common questions
Is The First National Bank & Trust FDIC insured?
Yes. The First National Bank & Trust is an FDIC-insured institution (FDIC certificate #4086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank & Trust's TellerScore?
88 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 The First National Bank & Trust ever failed?
There is no failure record for FDIC certificate #4086 in the FDIC failed bank list.
How many branches does The First National Bank & Trust have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elk City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State BankBank Cheyenne, OK | 77 out of 100, Strong | $279.5M | 10.7% | 0.67% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| Sovereign BankBank Shawnee, OK | 64 out of 100, Moderate | $1.5B | 10.3% | 0.06% | vs |
| Great Plains National BankBank Elk City, OK | 62 out of 100, Moderate | $1.9B | 9.4% | 1.33% | vs |
| InterBankBank Oklahoma City, OK | 62 out of 100, Moderate | $5.3B | 11.1% | 1.56% | vs |
| Washita State BankBank Burns Flat, OK | 53 out of 100, Below average | $44.3M | 14.6% | 3.34% | vs |