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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Oklahoma City, OK · FDIC certificate #17001
FIRST SECURITY BANK&TRUST CO is an FDIC-insured institution based in Oklahoma City, OK (FDIC certificate #17001). In its Q3 2026 Call Report it reported total assets of $235M, total deposits of $185M and net loans of $196M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST SECURITY BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $248M in Q1 2026 and were lowest at $226M in Q2 2026.
Total deposits were highest at $202M in Q1 2026 and lowest at $181M in Q2 2026.
Over the whole period total assets fell 5.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $235M | $185M | $196M | 0.21% | 2.16% | 3.89% |
| Q2 2026 | $226M | $181M | $195M | 0.18% | 1.87% | 3.98% |
| Q1 2026 | $248M | $202M | $209M | 0.93% | 9.79% | 3.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.7M | $1.3M | +$392K | +30.0% |
| Federal funds sold | $21.0M | $29.0M | -$8.0M | -27.5% |
| 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) | $2.4M | $2.4M | -$22K | -0.9% |
| 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) | $195.2M | $209.5M | -$14.3M | -6.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $860K | $836K | +$24K | +2.9% |
| Other real estate owned | $146K | $146K | $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 | $4.6M | $4.7M | -$84K | -1.8% |
| Total assets | $226.0M | $247.9M | -$21.9M | -8.9% |
| Liabilities | ||||
| Total deposits | $180.7M | $201.7M | -$21.0M | -10.4% |
| 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 | $20.4M | $21.0M | -$586K | -2.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.0M | $989K | +$42K | +4.2% |
| Total liabilities | $202.1M | $223.7M | -$21.6M | -9.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.1M | $1.1M | $0K | 0.0% |
| Surplus | $16.6M | $16.6M | $0K | 0.0% |
| Retained earnings | $6.1M | $6.5M | -$362K | -5.6% |
| Accumulated other comprehensive income | -$23K | -$28K | +$5K | +17.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.8M | $24.2M | -$357K | -1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $26.5M | $19.1M | +$7.4M | +38.6% |
| Adjusted nonperforming assets | $26.5M | $19.1M | +$7.4M | +38.6% |
| Tangible equity plus allowance | $27.9M | $27.7M | +$185K | +0.7% |
| Texas ratio (gross) | 94.71% | 68.78% | +25.93 pts | See points |
| Texas ratio (adjusted) | 94.71% | 68.78% | +25.93 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 96.87% | 71.13% | +25.74 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) | 10.09% | 9.62% | +0.46 pts | See points |
| Construction and land loans to total capital | 97.96% | 106.91% | -8.95 pts | See points |
| Commercial real estate to total capital | 181.42% | 205.13% | -23.70 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.14% | -0.12% | -0.02 pts | See points |
| Liquidity | ||||
| Core deposits | $148.1M | $184.4M | -$36.3M | -19.7% |
| Non-core funding | $53.0M | $38.3M | +$14.7M | +38.3% |
| Loans to core deposits | 134.58% | 115.53% | +19.04 pts | See points |
| Loans to deposits | 110.32% | 105.62% | +4.70 pts | See points |
| Brokered deposits share of deposits | 8.57% | 7.68% | +0.89 pts | See points |
| Pledged securities share of securities | 2.95% | 3.25% | -0.30 pts | See points |
| Loans pledged, share of loans | 24.13% | 9.86% | +14.27 pts | See points |
| Volatile liabilities | $103.9M | $102.9M | +$1.0M | +1.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.3M | $986K | +$312K | +31.6% |
| Earnings before provision, single quarter | $312K | $986K | -$674K | -68.4% |
| Provision for credit losses, year to date | $762K | $177K | +$585K | +330.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.62% | 7.69% | -0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 2.00% | 5.24% | -3.24 pts | See points |
| Total interest income to average assets | 7.09% | 6.91% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.00% | 0.26% | -0.26 pts | See points |
| Cost of savings and money market deposits | 2.44% | 2.92% | -0.48 pts | See points |
| Cost of time deposits | 4.55% | 4.27% | +0.28 pts | See points |
| Total interest expense to average assets | 3.23% | 3.09% | +0.13 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 | $235M | $185M | $196M | 0.21% | 2.16% | 3.89% |
| 2026-06-30 | $226M | $181M | $195M | 0.18% | 1.87% | 3.98% |
| 2026-03-31 | $248M | $202M | $209M | 0.93% | 9.79% | 3.94% |
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 | $176.2M | 0.12% | 114 | Continuing · +0.07 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.