B
First National Bank & Trust, Elk City, Oklahoma
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.09
Return On
Assets
2.03%
Total
Assets
293.96M
Capital
28.64M
Total
Deposits
264.96M
Net
Income
3.12M
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Weiss Ratings First National Bank & Trust, Elk City, Oklahoma
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Rating B
Asset Quality Index 7.70
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 8.40
Stability Index 7.00
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 -2.09%
5-Year Asset Growth -0.48%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans -0.05%
Non-Performing Assets to Assets 0.34%
Non-Performing Loans to Capital 1.97%
Non-Performing Loans to Loans 0.55%
Balance Sheet First National Bank & Trust, Elk City, Oklahoma
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Total Assets 293.96M
Total Deposits 264.96M
Capital and Reserves First National Bank & Trust, Elk City, Oklahoma
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Capital 28.64M
Leverage Ratio 13.09
Loan Loss Reserves to Loans 1.99%
Risk-Based Capital Ratio --
Liquidity First National Bank & Trust, Elk City, Oklahoma
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Hot Money Ratio 34.65%
Liquidity Ratio 34.77%
Profitability First National Bank & Trust, Elk City, Oklahoma
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5-Year Return on Average Assets 2.12%
Net Income 3.12M
Net Interest Spread 3.88%
Operating Profit to Average Assets 2.03%
Overhead Efficiency Ratio 50.02%
Return on Assets 2.03%
Return on Equity 22.14%