← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

First Bank & Trust Co.

Duncan, Oklahoma · $952M in assets · beside the 11 other Oklahoma banks between $300M and $1B

The filing

15.3%
Equity / assets
1st of 12
5.22%
NPA / loans
12th of 12
47.8%
CRE / loans
12th of 12

First Bank & Trust Co. is the second largest of the 12 Oklahoma banks nearest its size between $300M and $1B, with $952M in assets at 30 June 2026. Loans are 88.5% of deposits, 6th of 12 against a median of 89.9%, and equity is 15.3% of assets, the highest in the cohort. Loans grew -6.5% in the year, the slowest in the cohort, and deposits fell 2.2%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 5.22% of the book, the highest in the cohort against a median of 0.57%; 0.54% is 30 to 89 days past due, and the allowance covers them 0.2 times. Net charge-offs are 0.71% of loans, 11th of 12. Commercial real estate is 47.8% of loans, the highest in the cohort against a median of 38.3%, and 224% of capital, below the 300% screen, with construction at 71% against the 100% screen.

Return on assets is 2.18%, 2nd of 12 against a median of 1.34%, on an efficiency ratio of 55.5%, 4th of 12. Five years ago it was 1.54%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 11.0% of loans).

Commercial real estate, share of loansOK banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 38.3% FM F & M Bank 23.7% VB Vision Bank 29.5% FN First National Bank of Oklahoma 33.7% AN American Nation Bank 34.7% PB Prism Bank 35.6% SB Security Bank 37.1% VB Valliance Bank 39.6% GB Grand Bank 41.1% FL First Liberty Bank 43.2% S Spiritbank 44.0% QC Quail Creek Bank 45.8% FB First Bank & Trust Co. 47.8%
Loans, year over yearOK banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% PB Prism Bank +36.9% VB Valliance Bank +24.2% FM F & M Bank +16.1% GB Grand Bank +10.3% AN American Nation Bank +6.4% FN First National Bank of Oklahoma +6.4% FL First Liberty Bank +4.3% QC Quail Creek Bank +2.3% S Spiritbank +1.8% VB Vision Bank +1.5% SB Security Bank +0.3% FB First Bank & Trust Co. -6.5%

SBA 7(a), FY2008 to FY2026

First Bank & Trust Co. is the 57th largest 7(a) lender into Oklahoma of 358, with $13M across 60 loans, 0.3% of everything approved in the state (Bancfirst leads with $793M). 9 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Stephens, OK$3M7th of 287.1%quiet FY2022
Cleveland, OK$2M21st of 881.1%thin
Lincoln, OK$2M3rd of 148.9%quiet FY2020
Canadian, OK$2M15th of 651.8%thin
Carter, OK$2M15th of 362.2%quiet FY2019
Oklahoma, OK$856K115th of 1720.1%+0.1 pts
Jefferson, OK$400K2nd of 26.4%quiet FY2009
Love, OK$216K5th of 66.5%quiet FY2012
Weber, UT$120K80th of 870.0%quiet FY2010
Wichita, TX$106K61st of 650.1%quiet FY2008
Cotton, OK$81K1st of 446.0%quiet FY2015
Grady, OK$25K31st of 320.1%quiet FY2012
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services10$3M24.0%0.00%1021st of 2,596
Administrative & waste services3$2M15.2%0.01%559th of 1,763
Retail trade11$2M13.2%0.00%1236th of 2,589
Construction6$2M11.3%0.00%1039th of 2,063
Health care & social assistance5$1M8.9%0.00%1095th of 2,172
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and First Bank
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans FB First Bank and Trust Co. 0.3% $13M · 60 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
First BankRankCohort median
Total CRE against capital, the 300% screen224%3rd of 12264%
Construction against capital, the 100% screen71%4th of 1274%
Construction and land development, share of loans15.1%12th of 1211.0%
Non-owner-occupied nonfarm nonresidential, share of loans26.6%5th of 1226.9%
Total CRE, the guidance definition, share of loans47.8%12th of 1238.3%
CRE growth over 36 months, the third prong+0.6%3rd of 12+13.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vision Bank$1000M1.2%69.2%2.59%0.02%1.8%84.4%7.3%
First Bank & Trust Co.$952M2.2%55.5%5.22%0.71%1.3%88.5%15.3%
First National Bank of Oklahoma$950M2.3%45.4%1.39%0.07%1.3%93.1%10.1%
Security Bank$939M2.2%43.0%0.15%0.02%2.0%93.6%11.6%
Valliance Bank$923M0.6%69.2%1.58%-0.09%1.1%106.5%8.6%
F & M Bank$915M1.2%56.1%0.36%1.82%1.1%82.0%10.5%
Spiritbank$913M0.9%64.2%0.86%0.29%1.3%74.7%9.2%
First Liberty Bank$885M1.1%65.3%0.07%0.18%1.5%94.3%11.1%
Quail Creek Bank$831M1.7%56.8%0.65%0.08%1.2%81.9%8.7%
Prism Bank$721M0.9%60.0%0.49%-0.02%1.1%96.4%9.4%
Grand Bank$713M1.5%53.1%0.00%0.00%1.6%91.2%9.3%
American Nation Bank$691M1.5%62.8%0.06%0.00%1.5%84.0%9.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First BankCohort median
20212026Change20212026Change
Loans$539M$710M+32%$466M$680M+46%
Deposits$663M$802M+21%$558M$784M+40%
NPA / loans2.21%5.22%+3.02 pts0.63%0.57%-0.06 pts
Efficiency61.5%55.5%-6.0 pts61.0%58.4%-2.6 pts
ROA1.54%2.18%+0.65 pts1.51%1.34%-0.16 pts

This read was prepared for First Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $300M to $1B
Institution www.fb247.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue