The First National Bank & Trust: how it compares with its peers
Against 66 OK banks with half to twice its assets, The First National Bank & Trust's strongest measure in Q2 2026 is return on assets (2.12% vs. a 1.49% peer median). Its weakest relative measure is net interest margin (3.92% vs. 4.25%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.49% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 4.25% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.90% | 61.19% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $6.3M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.09% | 75.67% | Context |
What it means for lending operations
Its efficiency ratio of 49.90% is better than the 61.19% 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
- McClain Bank Purcell, OK · $294M
- VALOR BANK Edmond, OK · $303M
- Security State Bank Cheyenne, OK · $280M
- The Bankers Bank Oklahoma City, OK · $311M
- Old Glory Bank Elmore City, OK · $277M
Questions about The First National Bank & Trust
How big is The First National Bank & Trust?
The First National Bank & Trust, established in 1901, is headquartered in Elk City, OK. It reported $294M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank & Trust's return on assets?
2.12% annualized in Q2 2026, against a 1.49% median for 66 OK banks with half to twice its assets, ahead of 83% of them.
What is The First National Bank & Trust's efficiency ratio?
49.90% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 61.19%, and lower is better.
Is The First National Bank & Trust growing its loans?
Net loans shrank 3.0% over the year to Q2 2026, while deposits shrank 4.4%.
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.