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 The First National Bank & Trust
The First National Bank & Trust
| RSSD ID 114457 | CERTIFICATE 4086 | ABA NUMBER 103101576 |
| 2714 West Third Street |
Quarter Ended : |
2025-12-31 |
| Elk City, Oklahoma, 73644 |
Updated : |
2026-01-11 |
| www.fnbec.com |
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| Institution Profile |
| Year Opened : |
1901 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
3 |
Number of Employees : |
39 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 294,260 |
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Total Interest Income | 16,924 |
| Total Liabilities | 266,409 |
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Total NonInterest Income | 1,734 |
| Total Bank Equity Capital | 27,851 |
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Total Interest Expense | 5,396 |
| Total Deposits | 264,300 |
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Total NonInterest Expense | 6,390 |
| Net Loans & Leases | 160,450 |
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Net Income | 6,595 |
| Loan Loss Allowance | 3,060 |
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Net Charge Offs | 11 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 164,984 |
| Total assets for the leverage ratio | 311,746 |
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Loans secured by real estate: | 93,371 |
| Tier 1 Leverage Ratio | 12.87 |
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Commercial and industrial loans | 42,861 |
| Off Balance Sheet Exposures (%) | 11.04 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,615 |
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:· The First National Bank & Trust
