Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Bethany, OK · FDIC certificate #4228
FIRST BETHANY BANK&TRUST is an FDIC-insured institution based in Bethany, OK (FDIC certificate #4228). In its Q3 2026 Call Report it reported total assets of $319M, total deposits of $276M and net loans of $207M. Its primary federal regulator is FED.
Plain-language readout
FIRST BETHANY BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $319M in Q3 2026 and were lowest at $313M in Q1 2026.
Total deposits were highest at $276M in Q3 2026 and lowest at $265M in Q1 2026.
Over the whole period total assets rose 1.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $319M | $276M | $207M | 1.15% | 20.61% | 3.36% |
| Q2 2026 | $317M | $273M | $197M | 1.19% | 20.43% | 3.29% |
| Q1 2026 | $313M | $265M | $186M | 1.15% | 19.77% | 3.26% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.0M | $8.2M | -$112K | -1.4% |
| Federal funds sold | $13.3M | $18.2M | -$4.9M | -26.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $85.2M | $87.2M | -$2.0M | -2.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $196.6M | $185.9M | +$10.7M | +5.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.9M | $1.9M | -$26K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $11.7M | $11.6M | +$167K | +1.4% |
| Total assets | $316.8M | $313.0M | +$3.8M | +1.2% |
| Liabilities | ||||
| Total deposits | $272.9M | $265.1M | +$7.8M | +2.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $21.1M | $22.9M | -$1.8M | -7.8% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.8M | $1.8M | -$73K | -4.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.6M | $5.3M | -$2.7M | -50.5% |
| Total liabilities | $298.4M | $295.2M | +$3.2M | +1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.4M | $1.4M | $0K | 0.0% |
| Surplus | $2.7M | $2.7M | $0K | 0.0% |
| Retained earnings | $25.6M | $25.0M | +$601K | +2.4% |
| Accumulated other comprehensive income | -$11.3M | -$11.3M | +$19K | +0.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $18.4M | $17.8M | +$620K | +3.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $360K | $494K | -$134K | -27.1% |
| Adjusted nonperforming assets | $360K | $494K | -$134K | -27.1% |
| Tangible equity plus allowance | $20.3M | $19.6M | +$696K | +3.5% |
| Texas ratio (gross) | 1.77% | 2.52% | -0.75 pts | See points |
| Texas ratio (adjusted) | 1.77% | 2.52% | -0.75 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.77% | 2.52% | -0.75 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.10% | 9.19% | -0.08 pts | See points |
| Construction and land loans to total capital | 55.33% | 45.48% | +9.85 pts | See points |
| Commercial real estate to total capital | 276.45% | 264.49% | +11.97 pts | See points |
| Dividend payout, year to date | 39.22% | 41.47% | -2.25 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -38.03% | -38.88% | +0.85 pts | See points |
| Liquidity | ||||
| Core deposits | $234.5M | $227.3M | +$7.2M | +3.2% |
| Non-core funding | $61.3M | $62.6M | -$1.3M | -2.0% |
| Loans to core deposits | 84.68% | 82.62% | +2.06 pts | See points |
| Loans to deposits | 72.75% | 70.82% | +1.93 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 59.81% | 59.52% | +0.29 pts | See points |
| Loans pledged, share of loans | 23.84% | 16.70% | +7.14 pts | See points |
| Volatile liabilities | $61.5M | $62.8M | -$1.3M | -2.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $925K | +$1.0M | +112.5% |
| Earnings before provision, single quarter | $1.0M | $925K | +$116K | +12.5% |
| Provision for credit losses, year to date | $143K | $57K | +$86K | +150.9% |
| Yield and cost | ||||
| Yield on loans and leases | 6.42% | 6.29% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.23% | 2.58% | +0.64 pts | See points |
| Total interest income to average assets | 4.67% | 4.60% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 1.29% | 1.17% | +0.11 pts | See points |
| Cost of savings and money market deposits | 1.68% | 1.65% | +0.03 pts | See points |
| Cost of time deposits | 3.55% | 3.64% | -0.08 pts | See points |
| Total interest expense to average assets | 1.67% | 1.67% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $319M | $276M | $207M | 1.15% | 20.61% | 3.36% |
| 2026-06-30 | $317M | $273M | $197M | 1.19% | 20.43% | 3.29% |
| 2026-03-31 | $313M | $265M | $186M | 1.15% | 19.77% | 3.26% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $251.4M | 0.18% | 93 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.