First Bank & Trust Company: how it compares with its peers
Against 69 OK banks with half to twice its assets, First Bank & Trust Company's strongest measure in Q2 2026 is return on assets (1.73% vs. a 1.53% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.2M).
| Measure | First Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.73% | 1.53% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.37% | 4.18% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.32% | 60.88% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.2M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.12% | 76.50% | Context |
What it means for lending operations
Its efficiency ratio of 57.32% is better than the 60.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Grand Lake Grove, OK · $249M
- YNB Yukon, OK · $261M
- The Idabel National Bank Idabel, OK · $242M
- Method Bank Wyandotte, OK · $241M
- The First National Bank and Trust Company of Broken Arrow Broken Arrow, OK · $269M
- Old Glory Bank Elmore City, OK · $277M
Questions about First Bank & Trust Company
How big is First Bank & Trust Company?
First Bank & Trust Company, established in 1934, is headquartered in Perry, OK. It reported $255M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First Bank & Trust Company's return on assets?
1.73% annualized in Q2 2026, against a 1.53% median for 69 OK banks with half to twice its assets, ahead of 65% of them.
What is First Bank & Trust Company's efficiency ratio?
57.32% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 60.88%, and lower is better.
Is First Bank & Trust Company growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 5.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.