TellerScore

The First National Bank and Trust Company of Broken Arrow is a national bank headquartered in Broken Arrow, Oklahoma, in business for about 122 years. At the end of Q2 2026 it reported $269.5M in total assets and $224.2M in deposits, with 2 offices.

The First National Bank and Trust Company of Broken Arrow has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 11th. Capital cushion contributes the most (100/100, 16.42%); funding & liquidity contributes the least (37/100, 102% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.42%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings100/100
Return on assets (annualized): 2.44%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 102.5% · 34.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.70%

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 22 points (67 → 89), mostly because the loan quality component improved by 86 points.

TellerScore
677990Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202478
Q4 202474
Q1 202570
Q2 202567
Q3 202586
Q4 202588
Q1 202690
Q2 202689
Tier 1 leverage ratio
5.00%10.71%16.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.06%
Q3 202414.34%
Q4 202415.03%
Q1 202515.05%
Q2 202514.79%
Q3 202515.08%
Q4 202514.98%
Q1 202615.32%
Q2 202616.42%
Noncurrent loans
0.14%1.43%2.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.67%
Q3 20241.52%
Q4 20242.05%
Q1 20252.40%
Q2 20252.72%
Q3 20250.74%
Q4 20250.55%
Q1 20260.16%
Q2 20260.14%
Return on assets
1.93%2.22%2.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.93%
Q3 20242.00%
Q4 20241.99%
Q1 20252.14%
Q2 20252.24%
Q3 20252.28%
Q4 20252.35%
Q1 20262.51%
Q2 20262.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$269.5M16.42%0.14%2.44%102.5%
Q1 202690$270.5M15.32%0.16%2.51%95.9%
Q4 202588$278.1M14.98%0.55%2.35%84.9%
Q3 202586$263.5M15.08%0.74%2.28%87.6%
Q2 202567$254.7M14.79%2.72%2.24%89.0%
Q1 202570$251.2M15.05%2.40%2.14%92.0%
Q4 202474$234.0M15.03%2.05%1.99%95.2%
Q3 202478$235.4M14.34%1.52%2.00%86.2%
Q2 202476$233.9M14.06%1.67%1.93%80.8%

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 ratio16.42%
92nd
Total risk-based capital21.22%
89th
Problem loans0.14%
70th
Net charge-offs-0.01%
85th
Return on assets2.44%
95th
Net interest margin6.06%
99th
Efficiency ratio45.0%
91st
Loans to deposits102.5%
7th
Uninsured deposits34.1%
19th
Loan-loss reserves1.39%
72nd
Texas ratio0.7%
74th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Old Glory BankBank Elmore City, OK21 out of 100, Low$276.8M2.7%6.58%vs
YnbBank Yukon, OK60 out of 100, Moderate$261.4M8.5%0.39%vs
Security State BankBank Cheyenne, OK77 out of 100, Strong$279.5M10.7%0.67%vs
First Bank & Trust CompanyBank Perry, OK78 out of 100, Strong$255.2M11.3%0.73%vs
Bank of Grand LakeBank Grove, OK65 out of 100, Moderate$249.1M10.1%0.96%vs
The First National Bank & TrustBank Elk City, OK88 out of 100, Very strong$294.0M13.1%0.56%vs

Deposit insurance

Is my money safe at The First National Bank and Trust Company of Broken Arrow?

Yes. The First National Bank and Trust Company of Broken Arrow is an FDIC-insured institution (FDIC certificate #4050). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.1% of deposits ($76.4M) 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 16.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.22% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The First National Bank and Trust Company of Broken Arrow lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank and Trust Company of Broken Arrow reported 93 home-loan applications under HMDA (LEI 549300R6P9WVVQOQF705): 80 originated ($16,680,000 total), 2 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.4%, 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
The First National Bank and Trust Company of Broken Arrow
Former names
The First National Bank of Broken Arrow
Type
National bank
FDIC certificate #
4050
RSSD ID
145554
Primary regulator
OCC
Holding company
First Broken Arrow Corp
Established
January 29, 1904
Headquarters
121 S Main St, Broken Arrow, OK 74012
Website
fnbba.com
Employees
39

Quick answers

The First National Bank and Trust Company of Broken Arrow: common questions

Is The First National Bank and Trust Company of Broken Arrow FDIC insured?

Yes. The First National Bank and Trust Company of Broken Arrow is an FDIC-insured institution (FDIC certificate #4050). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank and Trust Company of Broken Arrow's TellerScore?

89 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 and Trust Company of Broken Arrow ever failed?

There is no failure record for FDIC certificate #4050 in the FDIC failed bank list.

How many branches does The First National Bank and Trust Company of Broken Arrow have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Broken Arrow

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs