First Bank & Trust Co.: how it compares with its peers
Against 41 OK banks with half to twice its assets, First Bank & Trust Co.'s strongest measure in Q2 2026 is return on assets (2.20% vs. a 1.30% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $7.2M).
| Measure | First Bank & Trust Co. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.20% | 1.30% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 4.17% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.36% | 63.04% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $7.2M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.38% | 79.50% | Context |
What it means for lending operations
Its efficiency ratio of 54.36% is better than the 63.04% 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
- First National Bank of Oklahoma Oklahoma City, OK · $950M
- Security Bank Tulsa, OK · $939M
- Valliance Bank Oklahoma City, OK · $923M
- F&M Bank Edmond, OK · $915M
- SpiritBank Tulsa, OK · $913M
- Vision Bank Ada, OK · $1000M
Questions about First Bank & Trust Co.
How big is First Bank & Trust Co.?
First Bank & Trust Co., established in 1988, is headquartered in Duncan, OK. It reported $952M in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is First Bank & Trust Co.'s return on assets?
2.20% annualized in Q2 2026, against a 1.30% median for 41 OK banks with half to twice its assets, ahead of 93% of them.
What is First Bank & Trust Co.'s efficiency ratio?
54.36% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 63.04%, and lower is better.
Is First Bank & Trust Co. growing its loans?
Net loans shrank 6.4% over the year to Q2 2026, while deposits shrank 2.2%.
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.