B
First National Bank & Trust, Elk City, Oklahoma
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.53
Return On
Assets
2.05%
Total
Assets
300.24M
Capital
22.75M
Total
Deposits
277.06M
Net
Income
3.32M
My Lists My Alerts
Weiss Ratings First National Bank & Trust, Elk City, Oklahoma
Elk City, OK 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 8.30
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 8.50
Stability Index 7.00
Company Info First National Bank & Trust, Elk City, Oklahoma
Elk City, OK 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 4086
Phone Number (580) 225-2580
Website www.fnbec.bank
Asset Quality First National Bank & Trust, Elk City, Oklahoma
Elk City, OK 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth -3.66%
5-Year Asset Growth 0.47%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.50%
Non-Performing Loans to Capital 2.57%
Non-Performing Loans to Loans 0.69%
Balance Sheet First National Bank & Trust, Elk City, Oklahoma
Elk City, OK 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 300.24M
Total Deposits 277.06M
Capital and Reserves First National Bank & Trust, Elk City, Oklahoma
Elk City, OK 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 22.75M
Leverage Ratio 12.53
Loan Loss Reserves to Loans 1.84%
Risk-Based Capital Ratio --
Liquidity First National Bank & Trust, Elk City, Oklahoma
Elk City, OK 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 33.86%
Liquidity Ratio 32.11%
Profitability First National Bank & Trust, Elk City, Oklahoma
Elk City, OK 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 2.09%
Net Income 3.32M
Net Interest Spread 3.76%
Operating Profit to Average Assets 2.05%
Overhead Efficiency Ratio 47.72%
Return on Assets 2.05%
Return on Equity 28.35%