B
First National Bank & Trust, Elk City, Oklahoma
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.60
Return On
Assets
2.13%
Total
Assets
295.49M
Capital
27.07M
Total
Deposits
268.00M
Net
Income
5.16M
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Weiss Ratings First National Bank & Trust, Elk City, Oklahoma
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 8.70
Stability Index 6.30
Company Info First National Bank & Trust, Elk City, Oklahoma
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FDIC Number 4086
Phone Number (580) 225-2580
Website www.fnbec.bank
Asset Quality First National Bank & Trust, Elk City, Oklahoma
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1-Year Asset Growth -5.94%
5-Year Asset Growth 0.47%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.22%
Non-Performing Loans to Capital 0.62%
Non-Performing Loans to Loans 0.16%
Balance Sheet First National Bank & Trust, Elk City, Oklahoma
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Total Assets 295.49M
Total Deposits 268.00M
Capital and Reserves First National Bank & Trust, Elk City, Oklahoma
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Capital 27.07M
Leverage Ratio 12.60
Loan Loss Reserves to Loans 1.83%
Risk-Based Capital Ratio --
Liquidity First National Bank & Trust, Elk City, Oklahoma
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Hot Money Ratio 33.38%
Liquidity Ratio 31.16%
Profitability First National Bank & Trust, Elk City, Oklahoma
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5-Year Return on Average Assets 2.09%
Net Income 5.16M
Net Interest Spread 3.85%
Operating Profit to Average Assets 2.13%
Overhead Efficiency Ratio 46.15%
Return on Assets 2.13%
Return on Equity 28.79%