First Bank & Trust Co.
Duncan, OK
IDRSSD: 1228034
Total Assets
$948.41M
Latest filing
Total Deposits
$800.05M
Latest filing
Net Interest Margin
4.81%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Bank & Trust Co.
923 W Main St
Duncan, OK 73533
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/08/1988FDIC Certificate 39837
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Bank & Trust Co. (Main) | 923 W Main St | Duncan, OK |
| ARDMORE BRANCH | 301 W Main St | Ardmore, OK |
| DRIVE-IN BRANCH | 10th And Oak Streets | Duncan, OK |
| DUNCAN BRANCH | 1521 W Plato Rd | Duncan, OK |
| FIRST NATIONAL BANK OF LINDSAY BRANCH | 101 S Main St | Lindsay, OK |
| STROUD BRANCH | 300 W Main St | Stroud, OK |
| THE WAURIKA NATIONAL BANK BRANCH | 101 N Main St | Waurika, OK |
| HEALDTON BRANCH | 313 West Main Street | Healdton, OK |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/08/1988 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73533 |
| State and County Number | 40137 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Duncan, OK |
Operational Info
| Number of Employees | 192 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/18/2024 |
| Date of Deposit Insurance | 12/08/1988 |
| Primary Insurance Agency | DIF |
| Website | www.fb247.com |
| Data Updated | 01/30/2026 |
| CERT | 27394 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $948.41M |
| Total Deposits | $800.05M |
| Total Liabilities | $805.50M |
| Total Equity Capital | $142.90M |
| Net Income | $6.53M |
| Net Loans and Leases | $735.33M |
| Assets Per Employee ($Millions) | $4.79M |
| Bank Premises and Fixed Assets | $13.37M |
| Cash and Balances due from Depository Institutions | $20.77M |
| Deposits Held in Domestic Offices | $800.05M |
Key Performance Ratios
| Return on Assets (ROA) | 2.74% |
| Return on Equity (ROE) | 18.57% |
| Net Interest Margin | 4.81% |
| Efficiency Ratio | 45.99% |
| Tier 1 Risk-Based Capital Ratio | 18.591% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.068% |
| Earning Assets to total Assets | 96.07% |
Income and Expense
| Total Interest Income | $14.33M |
| Total Noninterest Income | $2.12M |
| Total Interest Expense | $3.35M |
| Total Noninterest Expense | $6.18M |
| Net Interest Income | $10.99M |
| Pre-tax Net Operating Income | $6.62M |
| Provision for Credit Losses | $314.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $450.00k |
| Other borrowed funds | $69.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.09M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.38M |
| Total Liabilities and Capital | $948.41M |
Securities
| Securities | $156.10M |
| Available-for-sale debt securities | $156.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank & Trust Co.?
$948.41M as of the latest filing.
How much are First Bank & Trust Co.'s total deposits?
$800.05M in total deposits.
Where is First Bank & Trust Co. located?
Duncan, OK.
What is the Net Interest Margin?
4.81%.
How many domestic offices does it operate?
14.
When was it established?
12/08/1988.
What is the Return on Assets (ROA)?
2.74%.
How much are total loans and leases?
$735.33M (latest filing).
What is the total interest income (latest filing)?
$14.33M.