First Security Bank and Trust Company: how it compares with its peers
Against 68 OK banks with half to twice its assets, First Security Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $6.3M peer median). Its weakest relative measure is return on assets (0.18% vs. 1.54%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.18% | 1.54% | Bottom third Ahead of 6% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.98% | 4.26% | Middle third Ahead of 34% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.64% | 57.95% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $6.3M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.04% | 76.11% | Context |
What it means for lending operations
Its efficiency ratio of 74.64% is above the 57.95% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Texoma National Bank Durant, OK · $225M
- Triad Bank, National Association Tulsa, OK · $229M
- Method Bank Wyandotte, OK · $241M
- The Idabel National Bank Idabel, OK · $242M
- Bank of Commerce Chelsea, OK · $203M
- Bank of Grand Lake Grove, OK · $249M
Questions about First Security Bank and Trust Company
How big is First Security Bank and Trust Company?
First Security Bank and Trust Company, established in 1951, is headquartered in Oklahoma City, OK. It reported $226M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is First Security Bank and Trust Company's return on assets?
0.18% annualized in Q2 2026, against a 1.54% median for 68 OK banks with half to twice its assets, ahead of 6% of them.
What is First Security Bank and Trust Company's efficiency ratio?
74.64% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 57.95%, and lower is better.
Is First Security Bank and Trust Company growing its loans?
Net loans shrank 4.9% over the year to Q2 2026, while deposits grew 2.6%.
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.