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First Bank & Trust Co.

$100M-$1B Specialty: Commercial OK FDIC cert 27394

Duncan, OK

14 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -2.2% year over year ($802.1M on the books).
  • Delinquency rate 5.29%.
  • Return on assets 2.20%.
  • Efficiency ratio 54.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

First Bank & Trust Co. has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 29.2% in tier
  • + Profitability Leader: Top 47.8% in tier
  • + Net Interest Margin 0.67% above tier average
  • + Efficiency Ratio 10.12% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 26.8% in tier
  • - Deposit Outflow: Bottom 32.9% in tier
  • - Delinquency Rate 4.38% above tier average
  • - Nonperforming Asset Ratio 3.28% above tier average
Get updates when First Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $952.1M
-0.7% YoY -0.0% QoQ
+$565.5M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Top 1.6% in tier
Total Loans ? $700.9M
-6.4% YoY -4.9% QoQ
+$442.6M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Top 2.5% in tier
Total Deposits ? $802.1M
-2.2% YoY +0.2% QoQ
+$475.4M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Top 2.0% in tier
Return on Assets ? 2.20%
+5.9% YoY +3.6% QoQ
+0.88% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 8.9% in tier
Net Interest Margin ? 4.66%
+4.2% YoY +1.3% QoQ
+0.67% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 54.36%
-0.2% YoY +1.6% QoQ
-10.12% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 5.29%
+0.0% YoY -11.6% QoQ
+4.38% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 2.4% in tier
Loan-to-Deposit Ratio ? 87.38%
-4.3% YoY -5.1% QoQ
+9.43% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 26.64%
-3.6% YoY -0.1% QoQ
+4.61% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 3.94%
-5.3% YoY -15.7% QoQ
+3.28% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 1.8% in tier
Tier 1 Capital Ratio ? 20.02%
+19.2% YoY +3.5% QoQ
+4.11% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Top 13.6% in tier
Non-Interest Income / Assets ? 0.43%
+6.4% YoY +102.6% QoQ
-0.14% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 12.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 26.6%
-1.0pp YoY
0.0pp QoQ
 +4.5pp 22.1% 23.9% 22.2% 72%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 5.1%
-0.1pp YoY
+0.8pp QoQ
 -6.5pp 11.6% 15.7% 12.5% 20%
CRE 59.5%
+0.4pp YoY
-1.9pp QoQ
 +20.0pp 39.5% 42.0% 41.4% 84%
1-4 Family 27.3%
+1.0pp YoY
+1.2pp QoQ
 -5.3pp 32.6% 24.0% 31.3% 45%
Consumer 2.8%
+0.1pp YoY
+0.1pp QoQ
 -1.3pp 4.1% 5.6% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 20.0%
+3.2pp YoY
+0.7pp QoQ
 +1.2pp 18.8% 17.0% 19.7% 78%
Leverage Ratio 14.9%
+1.3pp YoY
+0.2pp QoQ
 +2.7pp 12.2% 11.7% 12.6% 86%
Total Capital Ratio 21.3%
+3.2pp YoY
+0.7pp QoQ
 +1.3pp 19.9% 18.2% 20.8% 79%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 192
-1 (-0.5%) YoY
0 QoQ
 +133 58 150 482 99%
Assets per Employee ($) $5.0M
-0.1% YoY
0.0% QoQ
 -$2.6M $7.5M $6.5M $8.8M 14%
Branch Count 14
0 YoY
0 QoQ
 +9 4 8 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.3pp QoQ
 -0.3pp 0.3% 0.9% 0.4% 44%
Nonaccrual 5.2%
-0.1pp YoY
-0.4pp QoQ
 +4.3pp 0.9% 1.5% 1.0% 98%
Allowance Coverage 0.25x
-8.7% YoY
-7.3% QoQ
 -23.90x 24.15x 61.99x 20.23x 2%
Net Charge-off Rate (YTD) 0.7%
+0.7pp YoY
+0.7pp QoQ
 +0.5pp 0.1% 0.2% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 14.6%
-0.8pp YoY
+0.4pp QoQ
 +2.4pp 12.2% 11.9% 11.6% 66%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 31%
Net Income ($, YTD) $10.5M
+4.0% YoY
— QoQ
 +$7.9M $2.6M $8.7M $40.4M 99%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth
#194 of 661 • Top 29.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.20%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#317 of 661 • Top 47.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.20%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#200 of 742 • Bottom 26.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.02%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 87.38%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#177 of 535 • Bottom 32.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

42
Total Assets
size
Value: $952.06M
Peer Median: $386.57M
#42 of 2643 Top 1.6% in $100M-$1B
55
Total Deposits
size
Value: $802.12M
Peer Median: $326.73M
#55 of 2643 Top 2.0% in $100M-$1B
66
Total Loans
size
Value: $700.92M
Peer Median: $258.35M
#66 of 2643 Top 2.5% in $100M-$1B
237
Return on Assets
profitability
Value: 2.20%
Peer Median: 1.32%
#237 of 2643 Top 8.9% in $100M-$1B
339
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#339 of 2643 Top 12.8% in $100M-$1B
361
Tier 1 Capital Ratio
capital
Value: 20.02%
Peer Median: 15.91%
#361 of 2643 Top 13.6% in $100M-$1B
416
Net Interest Margin
profitability
Value: 4.66%
Peer Median: 3.99%
#416 of 2643 Top 15.7% in $100M-$1B

Top Weaknesses (2 metrics)

2597
Nonperforming Asset Ratio
credit_quality
Value: 3.94%
Peer Median: 0.67%
#2597 of 2643 Bottom 1.8% in $100M-$1B
2572
Delinquency Rate
credit_quality
Value: 5.29%
Peer Median: 0.92%
#2572 of 2633 Bottom 2.4% in $100M-$1B
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