The First National Bank & Trust
Elk City, OK
IDRSSD: 114457
Total Assets
$294.26M
Latest filing
Total Deposits
$264.30M
Latest filing
Net Interest Margin
4.05%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank & Trust
2714 West Third Street
Elk City, OK 73644
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/19/1901FDIC Certificate 2659
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank & Trust (Main) | 2714 West Third Street | Elk City, OK |
| MAIN BRANCH | 102 S Main St | Elk City, OK |
| SAYRE BRANCH | 715 Ne Highway 66 | Sayre, OK |
Showing 2 of 2
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/19/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73644 |
| State and County Number | 40009 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Elk City, OK |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbec.com |
| Data Updated | 01/30/2026 |
| CERT | 4086 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $294.26M |
| Total Deposits | $264.30M |
| Total Liabilities | $266.41M |
| Total Equity Capital | $27.85M |
| Net Income | $1.43M |
| Net Loans and Leases | $160.45M |
| Assets Per Employee ($Millions) | $7.55M |
| Bank Premises and Fixed Assets | $3.04M |
| Cash and Balances due from Depository Institutions | $17.55M |
| Deposits Held in Domestic Offices | $264.30M |
Key Performance Ratios
| Return on Assets (ROA) | 1.95% |
| Return on Equity (ROE) | 20.89% |
| Net Interest Margin | 4.05% |
| Efficiency Ratio | 54.33% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.465% |
| Earning Assets to total Assets | 96.78% |
Income and Expense
| Total Interest Income | $4.11M |
| Total Noninterest Income | $354.00k |
| Total Interest Expense | $1.22M |
| Total Noninterest Expense | $1.77M |
| Net Interest Income | $2.89M |
| Pre-tax Net Operating Income | $1.43M |
| Provision for Credit Losses | $44.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $331.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $392.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.11M |
| Total Liabilities and Capital | $294.26M |
Securities
| Securities | $108.00M |
| Available-for-sale debt securities | $108.00M |
| 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 The First National Bank & Trust?
$294.26M as of the latest filing.
How much are The First National Bank & Trust's total deposits?
$264.30M in total deposits.
Where is The First National Bank & Trust located?
Elk City, OK.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
3.
When was it established?
04/19/1901.
What is the Return on Assets (ROA)?
1.95%.
How much are total loans and leases?
$160.45M (latest filing).
What is the total interest income (latest filing)?
$4.11M.