The First National Bank & Trust
Elk City, OK
IDRSSD: 114457
Total Assets
$295.49M
Latest filing
Total Deposits
$268.00M
Latest filing
Net Interest Margin
4.13%
Profitability
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 11/14/2025Established 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 | 38 |
| 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 | 11/14/2025 |
| CERT | 4086 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $295.49M |
| Total Deposits | $268.00M |
| Total Liabilities | $268.42M |
| Total Equity Capital | $27.07M |
| Net Income | $1.84M |
| Net Loans and Leases | $160.05M |
| Assets Per Employee ($Millions) | $8.21M |
| Bank Premises and Fixed Assets | $3.10M |
| Cash and Balances due from Depository Institutions | $18.44M |
| Deposits Held in Domestic Offices | $268.00M |
Key Performance Ratios
| Return on Assets (ROA) | 2.48% |
| Return on Equity (ROE) | 29.61% |
| Net Interest Margin | 4.13% |
| Efficiency Ratio | 43.24% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.16% |
| Earning Assets to total Assets | 96.74% |
Income and Expense
| Total Interest Income | $4.31M |
| Total Noninterest Income | $622.00k |
| Total Interest Expense | $1.33M |
| Total Noninterest Expense | $1.56M |
| Net Interest Income | $2.97M |
| Pre-tax Net Operating Income | $1.92M |
| Provision for Credit Losses | $114.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $376.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $903.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $424.00k |
| Total Liabilities and Capital | $295.49M |
Securities
| Securities | $108.38M |
| Available-for-sale debt securities | $108.38M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$295.49M as of the latest filing.
How much are The First National Bank & Trust's total deposits?
$268.00M in total deposits.
Where is The First National Bank & Trust located?
Elk City, OK.
What is the Net Interest Margin?
4.13%.
How many domestic offices does it operate?
3.
When was it established?
04/19/1901.
What is the Return on Assets (ROA)?
2.48%.
How much are total loans and leases?
$160.05M (latest filing).
What is the total interest income (latest filing)?
$4.31M.