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 The First National Bank & Trust
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The First National Bank & Trust
| RSSD ID 114457 | CERTIFICATE 4086 | ABA NUMBER 103101576 |
| 2714 West Third Street |
Quarter Ended : |
2026-06-30 |
| Elk City, Oklahoma, 73644 |
Updated : |
2026-07-13 |
| 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 : |
41 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 293,960 |
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Total Interest Income | 7,840 |
| Total Liabilities | 265,318 |
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Total NonInterest Income | 611 |
| Total Bank Equity Capital | 28,642 |
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Total Interest Expense | 2,251 |
| Total Deposits | 264,956 |
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Total NonInterest Expense | 3,101 |
| Net Loans & Leases | 151,265 |
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Net Income | 3,119 |
| Loan Loss Allowance | 3,079 |
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Net Charge Offs | (38) |
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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 | 156,163 |
| Total assets for the leverage ratio | 310,098 |
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Loans secured by real estate: | 93,049 |
| Tier 1 Leverage Ratio | 13.09 |
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Commercial and industrial loans | 34,016 |
| Off Balance Sheet Exposures (%) | 8.27 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,637 |
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:· The First National Bank & Trust
