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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Elk City, OK · FDIC certificate #4086
FIRST NATIONAL BANK&TRUST is an FDIC-insured institution based in Elk City, OK (FDIC certificate #4086). In its Q3 2026 Call Report it reported total assets of $294M, total deposits of $269M and net loans of $150M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NATIONAL BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $294M in Q2 2026 and were lowest at $294M in Q3 2026.
Total deposits were highest at $269M in Q3 2026 and lowest at $264M in Q1 2026.
Over the whole period total assets fell 0.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $294M | $269M | $150M | 2.36% | 25.35% | 3.95% |
| Q2 2026 | $294M | $265M | $151M | 2.12% | 22.12% | 3.92% |
| Q1 2026 | $294M | $264M | $158M | 2.09% | 21.94% | 3.88% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $28.8M | $21.7M | +$7.2M | +33.1% |
| Federal funds sold | $982K | $336K | +$646K | +192.3% |
| 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) | $105.6M | $106.7M | -$1.1M | -1.0% |
| 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) | $151.3M | $157.8M | -$6.5M | -4.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.0M | $3.0M | -$39K | -1.3% |
| Other real estate owned | $143K | $143K | $0K | 0.0% |
| 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 | $4.2M | $4.1M | +$52K | +1.3% |
| Total assets | $294.0M | $293.7M | +$215K | +0.1% |
| Liabilities | ||||
| Total deposits | $265.0M | $263.9M | +$1.0M | +0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $362K | $1.7M | -$1.3M | -78.7% |
| Total liabilities | $265.3M | $265.6M | -$318K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $200K | $200K | $0K | 0.0% |
| Surplus | $500K | $500K | $0K | 0.0% |
| Retained earnings | $39.9M | $39.6M | +$259K | +0.7% |
| Accumulated other comprehensive income | -$11.9M | -$12.2M | +$274K | +2.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $28.6M | $28.1M | +$533K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $1.7M | -$669K | -40.0% |
| Adjusted nonperforming assets | $1.0M | $1.7M | -$669K | -40.0% |
| Tangible equity plus allowance | $31.7M | $31.2M | +$534K | +1.7% |
| Texas ratio (gross) | 3.16% | 5.36% | -2.20 pts | See points |
| Texas ratio (adjusted) | 3.16% | 5.36% | -2.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.16% | 5.36% | -2.20 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) | 13.09% | 13.22% | -0.14 pts | See points |
| Construction and land loans to total capital | 3.58% | 7.10% | -3.52 pts | See points |
| Commercial real estate to total capital | 36.63% | 40.79% | -4.16 pts | See points |
| Dividend payout, year to date | 84.93% | 86.25% | -1.32 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.43% | -30.30% | +0.87 pts | See points |
| Liquidity | ||||
| Core deposits | $224.1M | $223.0M | +$1.1M | +0.5% |
| Non-core funding | $40.8M | $41.0M | -$125K | -0.3% |
| Loans to core deposits | 68.87% | 72.14% | -3.27 pts | See points |
| Loans to deposits | 58.25% | 60.94% | -2.69 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 40.88% | 41.59% | -0.71 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $40.8M | $41.0M | -$125K | -0.3% |
| Earnings | ||||
| Earnings before provision, year to date | $3.1M | $1.5M | +$1.6M | +104.3% |
| Earnings before provision, single quarter | $1.6M | $1.5M | +$65K | +4.3% |
| Provision for credit losses, year to date | -$20K | -$18K | -$2K | -11.1% |
| Yield and cost | ||||
| Yield on loans and leases | 7.66% | 7.50% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.49% | 3.29% | +0.20 pts | See points |
| Total interest income to average assets | 5.09% | 5.11% | -0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 0.74% | 0.78% | -0.05 pts | See points |
| Cost of savings and money market deposits | 0.99% | 1.00% | -0.01 pts | See points |
| Cost of time deposits | 3.33% | 3.36% | -0.03 pts | See points |
| Total interest expense to average assets | 1.44% | 1.49% | -0.04 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 | $294M | $269M | $150M | 2.36% | 25.35% | 3.95% |
| 2026-06-30 | $294M | $265M | $151M | 2.12% | 22.12% | 3.92% |
| 2026-03-31 | $294M | $264M | $158M | 2.09% | 21.94% | 3.88% |
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 | $277.1M | 0.20% | 83 | Continuing · -0.01 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.